$LYG
Lloyds Banking Group plc Stock $lyg

$lyg Overview Financials Valuation SEC Filings Company Website

2023 Q4 Form 20-F Financial Statement

#000116010624000009 Filed on February 22, 2024

Income Statement

Concept	2023 Q4	2023
Revenue
YoY Change
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization		$2.905B
YoY Change		21.24%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense		14.75B gbps
YoY Change		300.03%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income	$3.633B	$7.503B
YoY Change	11.2%	8.3%
Income Tax	$979.0M	$1.985B
% Of Pretax Income	26.95%	26.46%
Net Earnings	$2.361B	5.518B gbps
YoY Change	-3.71%	-0.67%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share	$0.04	$0.08
COMMON SHARES
Basic Shares Outstanding
Diluted Shares Outstanding

Balance Sheet

Concept	2023 Q4	2023
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment		$12.53B
YoY Change		54.16%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$8.809B	$8.809B
YoY Change	-2.67%	-2.67%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets	881.5B gbps	$881.5B
YoY Change	0.41%	0.41%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable		$5.439B
YoY Change		-9.15%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$39.10B	$39.10B
YoY Change	-22.2%	-22.2%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$39.13B	$44.57B
YoY Change	489075.0%	643.5%
LONG-TERM LIABILITIES
Long-Term Debt	$85.85B	$87.48B
YoY Change	1.53%	1.88%
Other Long-Term Liabilities	$231.4B	$224.3B
YoY Change	8.8%	9.22%
Total Long-Term Liabilities	$317.2B	$311.8B
YoY Change	6.73%	7.06%
TOTAL LIABILITIES
Total Short-Term Liabilities	$39.13B	$44.57B
Total Long-Term Liabilities	$317.2B	$311.8B
Total Liabilities	834.1B gbps	$834.3B
YoY Change	0.46%	0.45%
SHAREHOLDERS EQUITY
Retained Earnings
YoY Change
Common Stock
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$47.16B	$47.16B
YoY Change
Total Liabilities & Shareholders Equity	$881.5B	$881.5B
YoY Change	0.41%	0.41%

Cashflow Statement

Concept	2023 Q4	2023
OPERATING ACTIVITIES
Net Income	$2.361B	5.518B gbps
YoY Change	-3.71%	-0.67%
Depreciation, Depletion And Amortization		$2.905B
YoY Change		21.24%
Cash From Operating Activities	-$7.994B	$6.810B
YoY Change	-180.25%	-69.06%
INVESTING ACTIVITIES
Capital Expenditures	$2.077B	$5.455B
YoY Change	-5.98%	41.5%
Acquisitions
YoY Change
Other Investing Activities	-$4.688B	-$4.366B
YoY Change	-533.67%	-200.02%
Cash From Investing Activities	-$6.765B	-$9.821B
YoY Change	499.73%	-2025.69%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	-1.580B	-3.500B
YoY Change	40.82%	-47.07%
NET CHANGE
Cash From Operating Activities	-7.994B	6.810B
Cash From Investing Activities	-6.765B	-9.821B
Cash From Financing Activities	-1.580B	-3.500B
Net Change In Cash	-16.34B	-6.511B
YoY Change	-311.89%	-140.93%
FREE CASH FLOW
Cash From Operating Activities	-$7.994B	$6.810B
Capital Expenditures	$2.077B	$5.455B
Free Cash Flow	-$10.07B	$1.355B
YoY Change	-229.91%	-92.54%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
CY2023	dei	Amendment Flag AmendmentFlag	false
CY2023	dei	Entity Central Index Key EntityCentralIndexKey	0001160106
CY2023	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2023
CY2023	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2023	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	X0
CY2023	lyg	Expected Credit Loss Analysis Projection Period ExpectedCreditLossAnalysisProjectionPeriod	P5Y
CY2023	lyg	Cash Flow Projection Period CashFlowProjectionPeriod	P4Y
CY2023	lyg	Cash Flow Projection Period CashFlowProjectionPeriod	P4Y
CY2023	lyg	Cash Flow Projection Period CashFlowProjectionPeriod	P4Y
CY2023	lyg	Proxy Required Percentage Of Nominal Value Of Issued Shares Of The Class ProxyRequiredPercentageOfNominalValueOfIssuedSharesOfTheClass	0.75
CY2023	dei	Document Type DocumentType	20-F
CY2023	dei	Document Registration Statement DocumentRegistrationStatement	false
CY2023	dei	Document Annual Report DocumentAnnualReport	true
CY2023	dei	Document Period End Date DocumentPeriodEndDate	2023-12-31
CY2023	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2023	dei	Document Transition Report DocumentTransitionReport	false
CY2023	dei	Document Shell Company Report DocumentShellCompanyReport	false
CY2023	dei	Entity File Number EntityFileNumber	001-15246
CY2023	dei	Entity Registrant Name EntityRegistrantName	Lloyds Banking Group plc
CY2023	dei	Entity Address Address Line1 EntityAddressAddressLine1	25 Gresham Street
CY2023	dei	Entity Address City Or Town EntityAddressCityOrTown	London
CY2023	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	EC2V 7HN
CY2023	dei	Entity Address Country EntityAddressCountry	GB
CY2023	dei	Security Reporting Obligation SecurityReportingObligation	15(d)
CY2023	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	Yes
CY2023	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2023	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2023	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
CY2023	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
CY2023	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
CY2023	dei	Icfr Auditor Attestation Flag IcfrAuditorAttestationFlag	true
CY2023	dei	Document Fin Stmt Error Correction Flag DocumentFinStmtErrorCorrectionFlag	false
CY2023	dei	Document Accounting Standard DocumentAccountingStandard	International Financial Reporting Standards
CY2023	dei	Entity Shell Company EntityShellCompany	false
CY2023	dei	Auditor Firm AuditorFirmId	1147
CY2023	dei	Auditor Name AuditorName	Deloitte LLP
CY2023	dei	Auditor Location AuditorLocation	London, United Kingdom
CY2023	ifrs-full	Revenue From Interest RevenueFromInterest	28051000000	gbp
CY2022	ifrs-full	Revenue From Interest RevenueFromInterest	17645000000	gbp
CY2021	ifrs-full	Revenue From Interest RevenueFromInterest	13258000000	gbp
CY2023	ifrs-full	Interest Expense InterestExpense	14753000000	gbp
CY2022	ifrs-full	Interest Expense InterestExpense	4723000000	gbp
CY2021	ifrs-full	Interest Expense InterestExpense	2386000000	gbp
CY2023	ifrs-full	Interest Revenue Expense InterestRevenueExpense	13298000000	gbp
CY2022	ifrs-full	Interest Revenue Expense InterestRevenueExpense	12922000000	gbp
CY2021	ifrs-full	Interest Revenue Expense InterestRevenueExpense	10872000000	gbp
CY2023	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2926000000	gbp
CY2022	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2790000000	gbp
CY2021	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2608000000	gbp
CY2023	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1095000000	gbp
CY2022	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1070000000	gbp
CY2021	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1185000000	gbp
CY2023	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1831000000	gbp
CY2022	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1720000000	gbp
CY2021	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1423000000	gbp
CY2023	ifrs-full	Trading Income Expense TradingIncomeExpense	18049000000	gbp
CY2022	ifrs-full	Trading Income Expense TradingIncomeExpense	-19987000000	gbp
CY2021	ifrs-full	Trading Income Expense TradingIncomeExpense	17200000000	gbp
CY2021	lyg	Net Earned Premium NetEarnedPremium	8283000000	gbp
CY2023	ifrs-full	Insurance Revenue InsuranceRevenue	3008000000	gbp
CY2022	ifrs-full	Insurance Revenue InsuranceRevenue	2461000000	gbp
CY2023	ifrs-full	Insurance Service Expenses From Insurance Contracts Issued InsuranceServiceExpensesFromInsuranceContractsIssued	2414000000	gbp
CY2022	ifrs-full	Insurance Service Expenses From Insurance Contracts Issued InsuranceServiceExpensesFromInsuranceContractsIssued	3863000000	gbp
CY2023	ifrs-full	Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses IncomeExpensesFromReinsuranceContractsHeldOtherThanFinanceIncomeExpenses	2000000	gbp
CY2022	ifrs-full	Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses IncomeExpensesFromReinsuranceContractsHeldOtherThanFinanceIncomeExpenses	62000000	gbp
CY2023	ifrs-full	Insurance Service Result InsuranceServiceResult	596000000	gbp
CY2022	ifrs-full	Insurance Service Result InsuranceServiceResult	-1340000000	gbp
CY2023	lyg	Operating Income Other OperatingIncomeOther	1631000000	gbp
CY2022	lyg	Operating Income Other OperatingIncomeOther	1339000000	gbp
CY2021	lyg	Operating Income Other OperatingIncomeOther	1172000000	gbp
CY2023	ifrs-full	Other Operating Income Expense OtherOperatingIncomeExpense	22107000000	gbp
CY2022	ifrs-full	Other Operating Income Expense OtherOperatingIncomeExpense	-18268000000	gbp
CY2021	ifrs-full	Other Operating Income Expense OtherOperatingIncomeExpense	28078000000	gbp
CY2023	ifrs-full	Revenue Revenue	35405000000	gbp
CY2022	ifrs-full	Revenue Revenue	-5346000000	gbp
CY2021	ifrs-full	Revenue Revenue	38950000000	gbp
CY2021	lyg	Insurance Claims And Changes In Insurance And Investment Contract Liabilities InsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	-21120000000	gbp
CY2023	lyg	Net Finance Expense Income From Insurance And Reinsurance Contracts Held NetFinanceExpenseIncomeFromInsuranceAndReinsuranceContractsHeld	-11684000000	gbp
CY2022	lyg	Net Finance Expense Income From Insurance And Reinsurance Contracts Held NetFinanceExpenseIncomeFromInsuranceAndReinsuranceContractsHeld	15893000000	gbp
CY2023	lyg	Increase Decrease In Third Party Interests In Consolidated Funds IncreaseDecreaseInThirdPartyInterestsInConsolidatedFunds	-1109000000	gbp
CY2022	lyg	Increase Decrease In Third Party Interests In Consolidated Funds IncreaseDecreaseInThirdPartyInterestsInConsolidatedFunds	1035000000	gbp
CY2021	lyg	Increase Decrease In Third Party Interests In Consolidated Funds IncreaseDecreaseInThirdPartyInterestsInConsolidatedFunds	-1506000000	gbp
CY2023	lyg	Increase Decrease In Non Participating Investment Contracts IncreaseDecreaseInNonParticipatingInvestmentContracts	-3983000000	gbp
CY2022	lyg	Increase Decrease In Non Participating Investment Contracts IncreaseDecreaseInNonParticipatingInvestmentContracts	3959000000	gbp
CY2023	lyg	Revenue Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities RevenueNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	18629000000	gbp
CY2022	lyg	Revenue Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities RevenueNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	15541000000	gbp
CY2021	lyg	Revenue Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities RevenueNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	16324000000	gbp
CY2023	ifrs-full	Operating Expense OperatingExpense	10823000000	gbp
CY2022	ifrs-full	Operating Expense OperatingExpense	9237000000	gbp
CY2021	ifrs-full	Operating Expense OperatingExpense	10800000000	gbp
CY2023	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	303000000	gbp
CY2022	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	1522000000	gbp
CY2021	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	-1378000000	gbp
CY2023	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	7503000000	gbp
CY2022	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	4782000000	gbp
CY2021	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6902000000	gbp
CY2023	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1985000000	gbp
CY2022	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	859000000	gbp
CY2021	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1017000000	gbp
CY2023	ifrs-full	Profit Loss ProfitLoss	5518000000	gbp
CY2022	ifrs-full	Profit Loss ProfitLoss	3923000000	gbp
CY2021	ifrs-full	Profit Loss ProfitLoss	5885000000	gbp
CY2023	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	4933000000	gbp
CY2022	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	3389000000	gbp
CY2021	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	5355000000	gbp
CY2023	ifrs-full	Adjustments To Reconcile Profit Loss Attributable To Owners Of Parent To Numerator Used In Calculating Basic Earnings Per Share AdjustmentsToReconcileProfitLossAttributableToOwnersOfParentToNumeratorUsedInCalculatingBasicEarningsPerShare	527000000	gbp
CY2022	ifrs-full	Adjustments To Reconcile Profit Loss Attributable To Owners Of Parent To Numerator Used In Calculating Basic Earnings Per Share AdjustmentsToReconcileProfitLossAttributableToOwnersOfParentToNumeratorUsedInCalculatingBasicEarningsPerShare	438000000	gbp
CY2021	ifrs-full	Adjustments To Reconcile Profit Loss Attributable To Owners Of Parent To Numerator Used In Calculating Basic Earnings Per Share AdjustmentsToReconcileProfitLossAttributableToOwnersOfParentToNumeratorUsedInCalculatingBasicEarningsPerShare	429000000	gbp
CY2023	ifrs-full	Profit Loss Attributable To Owners Of Parent ProfitLossAttributableToOwnersOfParent	5460000000	gbp
CY2022	ifrs-full	Profit Loss Attributable To Owners Of Parent ProfitLossAttributableToOwnersOfParent	3827000000	gbp
CY2021	ifrs-full	Profit Loss Attributable To Owners Of Parent ProfitLossAttributableToOwnersOfParent	5784000000	gbp
CY2023	ifrs-full	Profit Loss Attributable To Noncontrolling Interests ProfitLossAttributableToNoncontrollingInterests	58000000	gbp
CY2022	ifrs-full	Profit Loss Attributable To Noncontrolling Interests ProfitLossAttributableToNoncontrollingInterests	96000000	gbp
CY2021	ifrs-full	Profit Loss Attributable To Noncontrolling Interests ProfitLossAttributableToNoncontrollingInterests	101000000	gbp
CY2023	ifrs-full	Profit Loss ProfitLoss	5518000000	gbp
CY2022	ifrs-full	Profit Loss ProfitLoss	3923000000	gbp
CY2021	ifrs-full	Profit Loss ProfitLoss	5885000000	gbp
CY2023	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.076
CY2022	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.049
CY2021	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.075
CY2023	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.075
CY2022	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.049
CY2021	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.075
CY2023	ifrs-full	Profit Loss ProfitLoss	5518000000	gbp
CY2022	ifrs-full	Profit Loss ProfitLoss	3923000000	gbp
CY2021	ifrs-full	Profit Loss ProfitLoss	5885000000	gbp
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CY2021	ifrs-full	Other Comprehensive Income Before Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	1720000000	gbp
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CY2021	ifrs-full	Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments	61000000	gbp
CY2023	ifrs-full	Income Tax Relating To Investments In Equity Instruments Of Other Comprehensive Income IncomeTaxRelatingToInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome	3000000	gbp
CY2022	ifrs-full	Income Tax Relating To Investments In Equity Instruments Of Other Comprehensive Income IncomeTaxRelatingToInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome	-3000000	gbp
CY2021	ifrs-full	Income Tax Relating To Investments In Equity Instruments Of Other Comprehensive Income IncomeTaxRelatingToInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome	4000000	gbp
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CY2023	ifrs-full	Income Tax Relating To Changes In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability Of Other Comprehensive Income IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome	-66000000	gbp
CY2022	ifrs-full	Income Tax Relating To Changes In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability Of Other Comprehensive Income IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome	155000000	gbp
CY2021	ifrs-full	Income Tax Relating To Changes In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability Of Other Comprehensive Income IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome	-34000000	gbp
CY2023	ifrs-full	Other Comprehensive Income Net Of Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	-168000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	364000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	-52000000	gbp
CY2023	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	-40000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	-133000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	133000000	gbp
CY2023	lyg	Reclassification Adjustments On Disposal Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnDisposalOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	122000000	gbp
CY2022	lyg	Reclassification Adjustments On Disposal Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnDisposalOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	92000000	gbp
CY2021	lyg	Reclassification Adjustments On Disposal Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnDisposalOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	-2000000	gbp
CY2023	lyg	Reclassification Adjustments On Impairment Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnImpairmentOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	-2000000	gbp
CY2022	lyg	Reclassification Adjustments On Impairment Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnImpairmentOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	6000000	gbp
CY2021	lyg	Reclassification Adjustments On Impairment Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnImpairmentOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	-2000000	gbp
CY2023	ifrs-full	Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-47000000	gbp
CY2022	ifrs-full	Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-62000000	gbp
CY2021	ifrs-full	Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	25000000	gbp
CY2023	ifrs-full	Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-117000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-157000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	108000000	gbp
CY2023	ifrs-full	Gains Losses On Cash Flow Hedges Before Tax GainsLossesOnCashFlowHedgesBeforeTax	545000000	gbp
CY2022	ifrs-full	Gains Losses On Cash Flow Hedges Before Tax GainsLossesOnCashFlowHedgesBeforeTax	-6990000000	gbp
CY2021	ifrs-full	Gains Losses On Cash Flow Hedges Before Tax GainsLossesOnCashFlowHedgesBeforeTax	-2279000000	gbp
CY2023	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	-1838000000	gbp
CY2022	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	-43000000	gbp
CY2021	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	621000000	gbp
CY2023	ifrs-full	Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome	673000000	gbp
CY2022	ifrs-full	Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome	-1928000000	gbp
CY2021	ifrs-full	Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome	-814000000	gbp
CY2023	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	1710000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	-5019000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	-2086000000	gbp
CY2022	ifrs-full	Income Tax Relating To Exchange Differences On Translation Of Other Comprehensive Income IncomeTaxRelatingToExchangeDifferencesOnTranslationOfOtherComprehensiveIncome	0	gbp
CY2021	ifrs-full	Income Tax Relating To Exchange Differences On Translation Of Other Comprehensive Income IncomeTaxRelatingToExchangeDifferencesOnTranslationOfOtherComprehensiveIncome	0	gbp
CY2023	ifrs-full	Income Tax Relating To Exchange Differences On Translation Of Other Comprehensive Income IncomeTaxRelatingToExchangeDifferencesOnTranslationOfOtherComprehensiveIncome	0	gbp
CY2023	ifrs-full	Other Comprehensive Income Net Of Tax Exchange Differences On Translation OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation	-53000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Exchange Differences On Translation OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation	116000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Exchange Differences On Translation OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation	-39000000	gbp
CY2022	lyg	Transfers To Income Statement Tax TransfersToIncomeStatementTax	0	gbp
CY2023	lyg	Transfers To Income Statement Tax TransfersToIncomeStatementTax	0	gbp
CY2021	lyg	Transfers To Income Statement Tax TransfersToIncomeStatementTax	0	gbp
CY2023	lyg	Transfers To Income Statement TransfersToIncomeStatement	0	gbp
CY2022	lyg	Transfers To Income Statement TransfersToIncomeStatement	31000000	gbp
CY2021	lyg	Transfers To Income Statement TransfersToIncomeStatement	0	gbp
CY2023	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	53000000	gbp
CY2022	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	-85000000	gbp
CY2021	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	39000000	gbp
CY2023	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	110000000	gbp
CY2022	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	-6832000000	gbp
CY2021	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	-950000000	gbp
CY2023	ifrs-full	Comprehensive Income ComprehensiveIncome	5628000000	gbp
CY2022	ifrs-full	Comprehensive Income ComprehensiveIncome	-2909000000	gbp
CY2021	ifrs-full	Comprehensive Income ComprehensiveIncome	4935000000	gbp
CY2023	lyg	Comprehensive Income Attributable To Ordinary Shareholders ComprehensiveIncomeAttributableToOrdinaryShareholders	5043000000	gbp
CY2022	lyg	Comprehensive Income Attributable To Ordinary Shareholders ComprehensiveIncomeAttributableToOrdinaryShareholders	-3443000000	gbp
CY2021	lyg	Comprehensive Income Attributable To Ordinary Shareholders ComprehensiveIncomeAttributableToOrdinaryShareholders	4405000000	gbp
CY2023	lyg	Comprehensive Income Attributable To Other Equity Holders ComprehensiveIncomeAttributableToOtherEquityHolders	527000000	gbp
CY2022	lyg	Comprehensive Income Attributable To Other Equity Holders ComprehensiveIncomeAttributableToOtherEquityHolders	438000000	gbp
CY2021	lyg	Comprehensive Income Attributable To Other Equity Holders ComprehensiveIncomeAttributableToOtherEquityHolders	429000000	gbp
CY2023	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	5570000000	gbp
CY2022	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	-3005000000	gbp
CY2021	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	4834000000	gbp
CY2023	ifrs-full	Comprehensive Income Attributable To Noncontrolling Interests ComprehensiveIncomeAttributableToNoncontrollingInterests	58000000	gbp
CY2022	ifrs-full	Comprehensive Income Attributable To Noncontrolling Interests ComprehensiveIncomeAttributableToNoncontrollingInterests	96000000	gbp
CY2021	ifrs-full	Comprehensive Income Attributable To Noncontrolling Interests ComprehensiveIncomeAttributableToNoncontrollingInterests	101000000	gbp
CY2023	ifrs-full	Comprehensive Income ComprehensiveIncome	5628000000	gbp
CY2022	ifrs-full	Comprehensive Income ComprehensiveIncome	-2909000000	gbp
CY2021	ifrs-full	Comprehensive Income ComprehensiveIncome	4935000000	gbp
CY2023Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	78110000000	gbp
CY2022Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	91388000000	gbp
CY2021Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	76420000000	gbp
CY2023Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	203318000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	180769000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	206971000000	gbp
CY2023Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22356000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22051000000	gbp
CY2023Q4	ifrs-full	Loans And Advances To Banks LoansAndAdvancesToBanks	10764000000	gbp
CY2022Q4	ifrs-full	Loans And Advances To Banks LoansAndAdvancesToBanks	10632000000	gbp
CY2021Q4	ifrs-full	Loans And Advances To Banks LoansAndAdvancesToBanks	7001000000	gbp
CY2023Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	449745000000	gbp
CY2022Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	454899000000	gbp
CY2021Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	448567000000	gbp
CY2023Q4	ifrs-full	Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed	38771000000	gbp
CY2022Q4	ifrs-full	Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed	44865000000	gbp
CY2021Q4	ifrs-full	Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed	54753000000	gbp
CY2023Q4	ifrs-full	Debt Instruments Held DebtInstrumentsHeld	15355000000	gbp
CY2022Q4	ifrs-full	Debt Instruments Held DebtInstrumentsHeld	9926000000	gbp
CY2021Q4	ifrs-full	Debt Instruments Held DebtInstrumentsHeld	6835000000	gbp
CY2023Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	514635000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	520322000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	517156000000	gbp
CY2023Q4	ifrs-full	Financial Assets At Fair Value Through Other Comprehensive Income FinancialAssetsAtFairValueThroughOtherComprehensiveIncome	27592000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Other Comprehensive Income FinancialAssetsAtFairValueThroughOtherComprehensiveIncome	23154000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Fair Value Through Other Comprehensive Income FinancialAssetsAtFairValueThroughOtherComprehensiveIncome	28137000000	gbp
CY2023Q4	ifrs-full	Intangible Assets And Goodwill IntangibleAssetsAndGoodwill	8306000000	gbp
CY2022Q4	ifrs-full	Intangible Assets And Goodwill IntangibleAssetsAndGoodwill	7615000000	gbp
CY2021Q4	ifrs-full	Intangible Assets And Goodwill IntangibleAssetsAndGoodwill	6713000000	gbp
CY2023Q4	ifrs-full	Current Tax Assets CurrentTaxAssets	1183000000	gbp
CY2022Q4	ifrs-full	Current Tax Assets CurrentTaxAssets	612000000	gbp
CY2021Q4	ifrs-full	Current Tax Assets CurrentTaxAssets	363000000	gbp
CY2023Q4	ifrs-full	Deferred Tax Assets DeferredTaxAssets	5185000000	gbp
CY2022Q4	ifrs-full	Deferred Tax Assets DeferredTaxAssets	6422000000	gbp
CY2021Q4	ifrs-full	Deferred Tax Assets DeferredTaxAssets	3773000000	gbp
CY2023Q4	ifrs-full	Recognised Assets Defined Benefit Plan RecognisedAssetsDefinedBenefitPlan	3624000000	gbp
CY2022Q4	ifrs-full	Recognised Assets Defined Benefit Plan RecognisedAssetsDefinedBenefitPlan	3823000000	gbp
CY2021Q4	ifrs-full	Recognised Assets Defined Benefit Plan RecognisedAssetsDefinedBenefitPlan	4531000000	gbp
CY2023Q4	ifrs-full	Other Assets OtherAssets	17144000000	gbp
CY2022Q4	ifrs-full	Other Assets OtherAssets	14536000000	gbp
CY2021Q4	ifrs-full	Other Assets OtherAssets	15142000000	gbp
CY2023Q4	ifrs-full	Assets Assets	881453000000	gbp
CY2022Q4	ifrs-full	Assets Assets	873394000000	gbp
CY2021Q4	ifrs-full	Assets Assets	881257000000	gbp
CY2023Q4	ifrs-full	Deposits From Banks DepositsFromBanks	6153000000	gbp
CY2022Q4	ifrs-full	Deposits From Banks DepositsFromBanks	7266000000	gbp
CY2021Q4	ifrs-full	Deposits From Banks DepositsFromBanks	7647000000	gbp
CY2023Q4	ifrs-full	Deposits From Customers DepositsFromCustomers	471396000000	gbp
CY2022Q4	ifrs-full	Deposits From Customers DepositsFromCustomers	475331000000	gbp
CY2021Q4	ifrs-full	Deposits From Customers DepositsFromCustomers	476344000000	gbp
CY2023Q4	ifrs-full	Repurchase Agreements And Cash Collateral On Securities Lent RepurchaseAgreementsAndCashCollateralOnSecuritiesLent	37703000000	gbp
CY2022Q4	ifrs-full	Repurchase Agreements And Cash Collateral On Securities Lent RepurchaseAgreementsAndCashCollateralOnSecuritiesLent	48596000000	gbp
CY2021Q4	ifrs-full	Repurchase Agreements And Cash Collateral On Securities Lent RepurchaseAgreementsAndCashCollateralOnSecuritiesLent	31125000000	gbp
CY2023Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	24914000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	17755000000	gbp
CY2021Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	23123000000	gbp
CY2023Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	20149000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	18060000000	gbp
CY2023Q4	lyg	Notes In Circulation NotesInCirculation	1392000000	gbp
CY2022Q4	lyg	Notes In Circulation NotesInCirculation	1280000000	gbp
CY2021Q4	lyg	Notes In Circulation NotesInCirculation	1321000000	gbp
CY2023Q4	lyg	Debt Securities At Amortised Cost DebtSecuritiesAtAmortisedCost	75592000000	gbp
CY2022Q4	lyg	Debt Securities At Amortised Cost DebtSecuritiesAtAmortisedCost	73819000000	gbp
CY2021Q4	lyg	Debt Securities At Amortised Cost DebtSecuritiesAtAmortisedCost	71552000000	gbp
CY2023Q4	ifrs-full	Insurance Contracts Issued That Are Liabilities InsuranceContractsIssuedThatAreLiabilities	120123000000	gbp
CY2022Q4	ifrs-full	Insurance Contracts Issued That Are Liabilities InsuranceContractsIssuedThatAreLiabilities	110278000000	gbp
CY2021Q4	ifrs-full	Insurance Contracts Issued That Are Liabilities InsuranceContractsIssuedThatAreLiabilities	125179000000	gbp
CY2023Q4	ifrs-full	Investment Contracts Liabilities InvestmentContractsLiabilities	44978000000	gbp
CY2022Q4	ifrs-full	Investment Contracts Liabilities InvestmentContractsLiabilities	39476000000	gbp
CY2021Q4	ifrs-full	Investment Contracts Liabilities InvestmentContractsLiabilities	40890000000	gbp
CY2023Q4	ifrs-full	Other Liabilities OtherLiabilities	19026000000	gbp
CY2022Q4	ifrs-full	Other Liabilities OtherLiabilities	18764000000	gbp
CY2021Q4	ifrs-full	Other Liabilities OtherLiabilities	19367000000	gbp
CY2023Q4	ifrs-full	Recognised Liabilities Defined Benefit Plan RecognisedLiabilitiesDefinedBenefitPlan	136000000	gbp
CY2022Q4	ifrs-full	Recognised Liabilities Defined Benefit Plan RecognisedLiabilitiesDefinedBenefitPlan	126000000	gbp
CY2021Q4	ifrs-full	Recognised Liabilities Defined Benefit Plan RecognisedLiabilitiesDefinedBenefitPlan	230000000	gbp
CY2023Q4	ifrs-full	Current Tax Liabilities Current CurrentTaxLiabilitiesCurrent	39000000	gbp
CY2022Q4	ifrs-full	Current Tax Liabilities Current CurrentTaxLiabilitiesCurrent	8000000	gbp
CY2021Q4	ifrs-full	Current Tax Liabilities Current CurrentTaxLiabilitiesCurrent	6000000	gbp
CY2023Q4	ifrs-full	Deferred Tax Liabilities DeferredTaxLiabilities	157000000	gbp
CY2022Q4	ifrs-full	Deferred Tax Liabilities DeferredTaxLiabilities	209000000	gbp
CY2021Q4	ifrs-full	Deferred Tax Liabilities DeferredTaxLiabilities	8000000	gbp
CY2023Q4	ifrs-full	Provisions Provisions	2077000000	gbp
CY2022Q4	ifrs-full	Provisions Provisions	1803000000	gbp
CY2021Q4	ifrs-full	Provisions Provisions	2080000000	gbp
CY2023Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	10253000000	gbp
CY2022Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	10730000000	gbp
CY2021Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	13108000000	gbp
CY2023Q4	ifrs-full	Liabilities Liabilities	834088000000	gbp
CY2022Q4	ifrs-full	Liabilities Liabilities	829483000000	gbp
CY2021Q4	ifrs-full	Liabilities Liabilities	830040000000	gbp
CY2023Q4	ifrs-full	Issued Capital IssuedCapital	6358000000	gbp
CY2022Q4	ifrs-full	Issued Capital IssuedCapital	6729000000	gbp
CY2021Q4	ifrs-full	Issued Capital IssuedCapital	7102000000	gbp
CY2023Q4	ifrs-full	Share Premium SharePremium	18568000000	gbp
CY2022Q4	ifrs-full	Share Premium SharePremium	18504000000	gbp
CY2021Q4	ifrs-full	Share Premium SharePremium	18479000000	gbp
CY2023Q4	ifrs-full	Other Reserves OtherReserves	8508000000	gbp
CY2022Q4	ifrs-full	Other Reserves OtherReserves	6587000000	gbp
CY2021Q4	ifrs-full	Other Reserves OtherReserves	11177000000	gbp
CY2023Q4	ifrs-full	Retained Earnings RetainedEarnings	6790000000	gbp
CY2022Q4	ifrs-full	Retained Earnings RetainedEarnings	6550000000	gbp
CY2021Q4	ifrs-full	Retained Earnings RetainedEarnings	8318000000	gbp
CY2023Q4	lyg	Shareholders Equity ShareholdersEquity	40224000000	gbp
CY2022Q4	lyg	Shareholders Equity ShareholdersEquity	38370000000	gbp
CY2021Q4	lyg	Shareholders Equity ShareholdersEquity	45076000000	gbp
CY2023Q4	ifrs-full	Other Equity Interest OtherEquityInterest	6940000000	gbp
CY2022Q4	ifrs-full	Other Equity Interest OtherEquityInterest	5297000000	gbp
CY2021Q4	ifrs-full	Other Equity Interest OtherEquityInterest	5906000000	gbp
CY2023Q4	ifrs-full	Equity Attributable To Owners Of Parent EquityAttributableToOwnersOfParent	47164000000	gbp
CY2022Q4	ifrs-full	Equity Attributable To Owners Of Parent EquityAttributableToOwnersOfParent	43667000000	gbp
CY2021Q4	ifrs-full	Equity Attributable To Owners Of Parent EquityAttributableToOwnersOfParent	50982000000	gbp
CY2023Q4	ifrs-full	Noncontrolling Interests NoncontrollingInterests	201000000	gbp
CY2022Q4	ifrs-full	Noncontrolling Interests NoncontrollingInterests	244000000	gbp
CY2021Q4	ifrs-full	Noncontrolling Interests NoncontrollingInterests	235000000	gbp
CY2023Q4	ifrs-full	Equity Equity	47365000000	gbp
CY2022Q4	ifrs-full	Equity Equity	43911000000	gbp
CY2021Q4	ifrs-full	Equity Equity	51217000000	gbp
CY2023Q4	ifrs-full	Equity And Liabilities EquityAndLiabilities	881453000000	gbp
CY2022Q4	ifrs-full	Equity And Liabilities EquityAndLiabilities	873394000000	gbp
CY2021Q4	ifrs-full	Equity And Liabilities EquityAndLiabilities	881257000000	gbp
CY2022Q4	ifrs-full	Equity Equity	43911000000	gbp
CY2023	ifrs-full	Profit Loss ProfitLoss	5518000000	gbp
CY2023	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	-1205000000	gbp
CY2023	ifrs-full	Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-117000000	gbp
CY2023	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses From Investments In Equity Instruments OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments	-57000000	gbp
CY2023	ifrs-full	Other Comprehensive Income Net Of Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	-168000000	gbp
CY2023	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	1710000000	gbp
CY2023	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	53000000	gbp
CY2023	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	110000000	gbp
CY2023	ifrs-full	Comprehensive Income ComprehensiveIncome	5628000000	gbp
CY2023	ifrs-full	Dividends Paid DividendsPaid	1752000000	gbp
CY2023	lyg	Distributions On Other Equity Instruments Net Of Tax DistributionsOnOtherEquityInstrumentsNetOfTax	527000000	gbp
CY2023	ifrs-full	Issue Of Equity IssueOfEquity	131000000	gbp
CY2023	lyg	Increase Decrease Through Share Buy Back Transactions IncreaseDecreaseThroughShareBuyBackTransactions	-1993000000	gbp
CY2023	lyg	Issue Of Other Equity Instruments IssueOfOtherEquityInstruments	1772000000	gbp
CY2023	ifrs-full	Increase Decrease Through Transfers And Other Changes Equity IncreaseDecreaseThroughTransfersAndOtherChangesEquity	-135000000	gbp
CY2023	ifrs-full	Increase Decrease Through Treasury Share Transactions IncreaseDecreaseThroughTreasuryShareTransactions	103000000	gbp
CY2023	lyg	Share Option Schemes ShareOptionSchemes	58000000	gbp
CY2023	lyg	Other Employee Award Schemes OtherEmployeeAwardSchemes	169000000	gbp
CY2023	ifrs-full	Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss Of Control Equity Attributable To Owners Of Parent IncreaseDecreaseThroughChangesInOwnershipInterestsInSubsidiariesThatDoNotResultInLossOfControlEquityAttributableToOwnersOfParent	0	gbp
CY2023	ifrs-full	Increase Decrease Through Transactions With Owners IncreaseDecreaseThroughTransactionsWithOwners	-2174000000	gbp
CY2023	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net Of Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax	0	gbp
CY2023Q4	ifrs-full	Equity Equity	47365000000	gbp
CY2023	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	5570000000	gbp
CY2022	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	-3005000000	gbp
CY2021	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	4834000000	gbp
CY2021Q4	ifrs-full	Equity Equity	51217000000	gbp
CY2022	ifrs-full	Profit Loss ProfitLoss	3923000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	-2152000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-157000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses From Investments In Equity Instruments OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments	47000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	364000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	-5019000000	gbp
CY2022	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	-85000000	gbp
CY2022	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	-6832000000	gbp
CY2022	ifrs-full	Comprehensive Income ComprehensiveIncome	-2909000000	gbp
CY2022	ifrs-full	Dividends Paid DividendsPaid	1567000000	gbp
CY2022	lyg	Distributions On Other Equity Instruments Net Of Tax DistributionsOnOtherEquityInstrumentsNetOfTax	438000000	gbp
CY2022	ifrs-full	Issue Of Equity IssueOfEquity	105000000	gbp
CY2022	lyg	Increase Decrease Through Share Buy Back Transactions IncreaseDecreaseThroughShareBuyBackTransactions	-2013000000	gbp
CY2022	lyg	Issue Of Other Equity Instruments IssueOfOtherEquityInstruments	745000000	gbp
CY2022	ifrs-full	Increase Decrease Through Transfers And Other Changes Equity IncreaseDecreaseThroughTransfersAndOtherChangesEquity	-1395000000	gbp
CY2022	ifrs-full	Increase Decrease Through Treasury Share Transactions IncreaseDecreaseThroughTreasuryShareTransactions	-60000000	gbp
CY2022	lyg	Share Option Schemes ShareOptionSchemes	41000000	gbp
CY2022	lyg	Other Employee Award Schemes OtherEmployeeAwardSchemes	183000000	gbp
CY2022	ifrs-full	Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss Of Control Equity Attributable To Owners Of Parent IncreaseDecreaseThroughChangesInOwnershipInterestsInSubsidiariesThatDoNotResultInLossOfControlEquityAttributableToOwnersOfParent	2000000	gbp
CY2022	ifrs-full	Increase Decrease Through Transactions With Owners IncreaseDecreaseThroughTransactionsWithOwners	-4397000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net Of Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax	0	gbp
CY2022Q4	ifrs-full	Equity Equity	43911000000	gbp
CY2020Q4	ifrs-full	Equity Equity	49413000000	gbp
CY2021	ifrs-full	Profit Loss ProfitLoss	5885000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	1062000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	108000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses From Investments In Equity Instruments OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments	57000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	-52000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	-2086000000	gbp
CY2021	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	39000000	gbp
CY2021	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	-950000000	gbp
CY2021	ifrs-full	Comprehensive Income ComprehensiveIncome	4935000000	gbp
CY2021	ifrs-full	Dividends Paid DividendsPaid	970000000	gbp
CY2021	lyg	Distributions On Other Equity Instruments Net Of Tax DistributionsOnOtherEquityInstrumentsNetOfTax	429000000	gbp
CY2021	ifrs-full	Issue Of Equity IssueOfEquity	37000000	gbp
CY2021	lyg	Redemption Of Preference Shares RedemptionOfPreferenceShares	0	gbp
CY2021	ifrs-full	Increase Decrease Through Treasury Share Transactions IncreaseDecreaseThroughTreasuryShareTransactions	-13000000	gbp
CY2021	lyg	Share Option Schemes ShareOptionSchemes	51000000	gbp
CY2021	lyg	Other Employee Award Schemes OtherEmployeeAwardSchemes	131000000	gbp
CY2021	ifrs-full	Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss Of Control Equity Attributable To Owners Of Parent IncreaseDecreaseThroughChangesInOwnershipInterestsInSubsidiariesThatDoNotResultInLossOfControlEquityAttributableToOwnersOfParent	-3000000	gbp
CY2021	ifrs-full	Increase Decrease Through Transactions With Owners IncreaseDecreaseThroughTransactionsWithOwners	-1196000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net Of Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax	0	gbp
CY2023	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	7503000000	gbp
CY2022	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	4782000000	gbp
CY2021	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6902000000	gbp
CY2023	lyg	Change In Operating Assets ChangeInOperatingAssets	-9110000000	gbp
CY2022	lyg	Change In Operating Assets ChangeInOperatingAssets	16735000000	gbp
CY2021	lyg	Change In Operating Assets ChangeInOperatingAssets	-10365000000	gbp
CY2023	lyg	Change In Operating Liabilities ChangeInOperatingLiabilities	4232000000	gbp
CY2022	lyg	Change In Operating Liabilities ChangeInOperatingLiabilities	1481000000	gbp
CY2021	lyg	Change In Operating Liabilities ChangeInOperatingLiabilities	12282000000	gbp
CY2023	lyg	Non Cash And Other Items NonCashAndOtherItems	5622000000	gbp
CY2022	lyg	Non Cash And Other Items NonCashAndOtherItems	-244000000	gbp
CY2021	lyg	Non Cash And Other Items NonCashAndOtherItems	-1265000000	gbp
CY2023	ifrs-full	Income Taxes Paid Refund Classified As Operating Activities IncomeTaxesPaidRefundClassifiedAsOperatingActivities	1437000000	gbp
CY2022	ifrs-full	Income Taxes Paid Refund Classified As Operating Activities IncomeTaxesPaidRefundClassifiedAsOperatingActivities	743000000	gbp
CY2021	ifrs-full	Income Taxes Paid Refund Classified As Operating Activities IncomeTaxesPaidRefundClassifiedAsOperatingActivities	796000000	gbp
CY2023	ifrs-full	Cash Flows From Used In Operating Activities CashFlowsFromUsedInOperatingActivities	6810000000	gbp
CY2022	ifrs-full	Cash Flows From Used In Operating Activities CashFlowsFromUsedInOperatingActivities	22011000000	gbp
CY2021	ifrs-full	Cash Flows From Used In Operating Activities CashFlowsFromUsedInOperatingActivities	6758000000	gbp
CY2023	ifrs-full	Purchase Of Financial Instruments Classified As Investing Activities PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities	10311000000	gbp
CY2022	ifrs-full	Purchase Of Financial Instruments Classified As Investing Activities PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities	7984000000	gbp
CY2021	ifrs-full	Purchase Of Financial Instruments Classified As Investing Activities PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities	8984000000	gbp
CY2023	ifrs-full	Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities	5298000000	gbp
CY2022	ifrs-full	Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities	11172000000	gbp
CY2021	ifrs-full	Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities	8287000000	gbp
CY2023	ifrs-full	Purchase Of Property Plant And Equipment Classified As Investing Activities PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	5455000000	gbp
CY2022	ifrs-full	Purchase Of Property Plant And Equipment Classified As Investing Activities PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	3855000000	gbp
CY2021	ifrs-full	Purchase Of Property Plant And Equipment Classified As Investing Activities PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	3228000000	gbp
CY2023	ifrs-full	Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	1027000000	gbp
CY2022	ifrs-full	Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	1550000000	gbp
CY2021	ifrs-full	Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	1437000000	gbp
CY2023	lyg	Repayment Of Capital By Joint Ventures And Associates Classified As Investing Activities RepaymentOfCapitalByJointVenturesAndAssociatesClassifiedAsInvestingActivities	0	gbp
CY2022	lyg	Repayment Of Capital By Joint Ventures And Associates Classified As Investing Activities RepaymentOfCapitalByJointVenturesAndAssociatesClassifiedAsInvestingActivities	36000000	gbp
CY2021	lyg	Repayment Of Capital By Joint Ventures And Associates Classified As Investing Activities RepaymentOfCapitalByJointVenturesAndAssociatesClassifiedAsInvestingActivities	0	gbp
CY2023	ifrs-full	Cash Flows Used In Obtaining Control Of Subsidiaries Or Other Businesses Classified As Investing Activities CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities	380000000	gbp
CY2022	ifrs-full	Cash Flows Used In Obtaining Control Of Subsidiaries Or Other Businesses Classified As Investing Activities CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities	409000000	gbp
CY2021	ifrs-full	Cash Flows Used In Obtaining Control Of Subsidiaries Or Other Businesses Classified As Investing Activities CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities	57000000	gbp
CY2023	ifrs-full	Cash Flows From Used In Investing Activities CashFlowsFromUsedInInvestingActivities	-9821000000	gbp
CY2022	ifrs-full	Cash Flows From Used In Investing Activities CashFlowsFromUsedInInvestingActivities	510000000	gbp
CY2021	ifrs-full	Cash Flows From Used In Investing Activities CashFlowsFromUsedInInvestingActivities	-2545000000	gbp
CY2023	ifrs-full	Dividends Paid To Equity Holders Of Parent Classified As Financing Activities DividendsPaidToEquityHoldersOfParentClassifiedAsFinancingActivities	1651000000	gbp
CY2022	ifrs-full	Dividends Paid To Equity Holders Of Parent Classified As Financing Activities DividendsPaidToEquityHoldersOfParentClassifiedAsFinancingActivities	1475000000	gbp
CY2021	ifrs-full	Dividends Paid To Equity Holders Of Parent Classified As Financing Activities DividendsPaidToEquityHoldersOfParentClassifiedAsFinancingActivities	877000000	gbp
CY2023	lyg	Distributions On Other Equity Instruments DistributionsOnOtherEquityInstruments	527000000	gbp
CY2022	lyg	Distributions On Other Equity Instruments DistributionsOnOtherEquityInstruments	438000000	gbp
CY2021	lyg	Distributions On Other Equity Instruments DistributionsOnOtherEquityInstruments	429000000	gbp
CY2023	ifrs-full	Dividends Paid To Noncontrolling Interests Classified As Financing Activities DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities	101000000	gbp
CY2022	ifrs-full	Dividends Paid To Noncontrolling Interests Classified As Financing Activities DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities	92000000	gbp
CY2021	ifrs-full	Dividends Paid To Noncontrolling Interests Classified As Financing Activities DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities	93000000	gbp
CY2023	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	623000000	gbp
CY2022	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	603000000	gbp
CY2021	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	1303000000	gbp
CY2023	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	1417000000	gbp
CY2022	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	838000000	gbp
CY2021	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	499000000	gbp
CY2023	ifrs-full	Proceeds From Issuing Other Equity Instruments ProceedsFromIssuingOtherEquityInstruments	1772000000	gbp
CY2022	ifrs-full	Proceeds From Issuing Other Equity Instruments ProceedsFromIssuingOtherEquityInstruments	745000000	gbp
CY2021	ifrs-full	Proceeds From Issuing Other Equity Instruments ProceedsFromIssuingOtherEquityInstruments	0	gbp
CY2023	ifrs-full	Proceeds From Issue Of Ordinary Shares ProceedsFromIssueOfOrdinaryShares	86000000	gbp
CY2022	ifrs-full	Proceeds From Issue Of Ordinary Shares ProceedsFromIssueOfOrdinaryShares	31000000	gbp
CY2021	ifrs-full	Proceeds From Issue Of Ordinary Shares ProceedsFromIssueOfOrdinaryShares	25000000	gbp
CY2023	ifrs-full	Cancellation Of Treasury Shares CancellationOfTreasuryShares	1993000000	gbp
CY2022	ifrs-full	Cancellation Of Treasury Shares CancellationOfTreasuryShares	2013000000	gbp
CY2021	ifrs-full	Cancellation Of Treasury Shares CancellationOfTreasuryShares	0	gbp
CY2023	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	1745000000	gbp
CY2022	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	2216000000	gbp
CY2021	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	1056000000	gbp
CY2023	lyg	Redemption Of Other Equity Instruments RedemptionOfOtherEquityInstruments	135000000	gbp
CY2022	lyg	Redemption Of Other Equity Instruments RedemptionOfOtherEquityInstruments	1395000000	gbp
CY2021	lyg	Redemption Of Other Equity Instruments RedemptionOfOtherEquityInstruments	0	gbp
CY2023	ifrs-full	Proceeds From Changes In Ownership Interests In Subsidiaries ProceedsFromChangesInOwnershipInterestsInSubsidiaries	0	gbp
CY2022	ifrs-full	Proceeds From Changes In Ownership Interests In Subsidiaries ProceedsFromChangesInOwnershipInterestsInSubsidiaries	5000000	gbp
CY2021	ifrs-full	Proceeds From Changes In Ownership Interests In Subsidiaries ProceedsFromChangesInOwnershipInterestsInSubsidiaries	0	gbp
CY2023	ifrs-full	Cash Flows From Used In Financing Activities CashFlowsFromUsedInFinancingActivities	-3500000000	gbp
CY2022	ifrs-full	Cash Flows From Used In Financing Activities CashFlowsFromUsedInFinancingActivities	-6613000000	gbp
CY2021	ifrs-full	Cash Flows From Used In Financing Activities CashFlowsFromUsedInFinancingActivities	-3234000000	gbp
CY2023	ifrs-full	Effect Of Exchange Rate Changes On Cash And Cash Equivalents EffectOfExchangeRateChangesOnCashAndCashEquivalents	-480000000	gbp
CY2022	ifrs-full	Effect Of Exchange Rate Changes On Cash And Cash Equivalents EffectOfExchangeRateChangesOnCashAndCashEquivalents	727000000	gbp
CY2021	ifrs-full	Effect Of Exchange Rate Changes On Cash And Cash Equivalents EffectOfExchangeRateChangesOnCashAndCashEquivalents	70000000	gbp
CY2023	ifrs-full	Increase Decrease In Cash And Cash Equivalents IncreaseDecreaseInCashAndCashEquivalents	-6991000000	gbp
CY2022	ifrs-full	Increase Decrease In Cash And Cash Equivalents IncreaseDecreaseInCashAndCashEquivalents	16635000000	gbp
CY2021	ifrs-full	Increase Decrease In Cash And Cash Equivalents IncreaseDecreaseInCashAndCashEquivalents	1049000000	gbp
CY2022Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	95829000000	gbp
CY2021Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	79194000000	gbp
CY2020Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	78145000000	gbp
CY2023Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	88838000000	gbp
CY2022Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	95829000000	gbp
CY2021Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	79194000000	gbp
CY2023	ifrs-full	Disclosure Of Basis Of Preparation Of Financial Statements Explanatory DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 1: Basis of preparation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The consolidated financial statements of Lloyds Banking Group plc and its subsidiary undertakings (the Group) have been prepared in accordance with International Financial Reporting Standards as issued by the International Accounting Standards Board (IASB).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The financial information has been prepared under the historical cost convention, as modified by the revaluation of investment properties, insurance and reinsurance contract assets and liabilities measured at their fulfilment values in accordance with IFRS 17, financial assets measured at fair value through other comprehensive income, trading securities and certain other financial assets and liabilities at fair value through profit or loss and all derivative contracts. The directors consider that it is appropriate to continue to adopt the going concern basis in preparing the financial statements. In reaching this assessment, the directors have considered the impact of climate change upon the Group’s performance and projected funding and capital position. The directors have also taken into account the results from stress testing scenarios.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Except for accounting policies and methods of computation affected by IFRS 17 and the IAS 12 exception relating to the recognition and disclosure of the implication of certain potential deferred tax consequences, the Group’s accounting policies are consistent with those applied by the Group in its financial statements for the year ended 31 December 2022 and there have been no changes in the Group’s methods of computation. Following amendments to IAS 12 by the IASB (</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">International Tax Reform – Pillar Two Model Rules</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">, issued in May 2023) entities are not permitted to disclose information about deferred tax assets and liabilities related to the Organisation for Economic, Co-operation and Development’s Pillar Two Model Rules, including any qualified domestic minimum top-up taxes. No changes arise to the Group’s deferred tax assets or liabilities as a result of the Group having applied the relevant exception.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Presentational changes</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Changes have been made to the presentation of the Group’s income statement and the Group’s balance sheet arising from the adoption of IFRS 17. In addition to the impact of IFRS 17, the following changes have been made to the presentation of the Group’s income statement and balance sheet to provide a more relevant analysis of the Group’s financial performance and financial position:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Movement in third party interests in consolidated funds are presented separately on the face of the income statement rather than within interest expense. There is no change to the balance sheet presentation of the third party interests</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Items in the course of collection from banks are reported within other assets rather than separately on the face of the balance sheet</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Investments in joint ventures and associates are reported within other assets rather than separately on the face of the balance sheet</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Goodwill and other intangible assets are aggregated on the face of the balance sheet</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Items in the course of transmission to banks are reported within other liabilities rather than separately on the face of the balance sheet</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Except for the impact of IFRS 17, there has been no change in the basis of accounting for any of the underlying transactions. Comparatives for 2022 have been restated for the impact of IFRS 17. Comparatives for 2022 and 2021 have been restated for all other changes.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">IFRS 17</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%"> </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:700;letter-spacing:0.01em;line-height:118%">Insurance Contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On 1 January 2023, the Group adopted IFRS 17 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Insurance Contracts</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">, which replaced IFRS 4 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Insurance Contracts</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">. A summary of the impact is set out below.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">IFRS 17 establishes principles for the recognition, measurement, presentation and disclosure of insurance contracts, including reinsurance contracts issued, participating investment contracts and reinsurance contracts held.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s change in accounting policies arising from the adoption of IFRS 17 has been made in accordance with the transitional provisions of the standard. IFRS 17 requires a full retrospective approach unless it is impracticable to do so. Under the full retrospective approach, transition impacts are calculated as if IFRS 17 had always applied and it prohibits the use of hindsight. This requires having full and granular data on assumptions and cash flows so that, at the point of contract recognition, the IFRS 17 contract value and contractual service margin (CSM) can be calculated and revalued up to the point of transition. If it is impracticable to apply IFRS 17 retrospectively, a choice is permitted between a modified retrospective approach, provided qualifying conditions are met, or a fair value approach. The different approaches can be applied to different groups of insurance contracts.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On transition, the Group used the full retrospective approach for business written since 1 January 2016 using Solvency II modelling tools developed when Solvency II was implemented, which are only available to support the calculation of IFRS 17 results from that date. The full retrospective approach was deemed impracticable for contracts initially recognised prior to 1 January 2016 as the models required to calculate the risk adjustment were not in use within the business prior to this date. The Group opted to use the fair value approach for business initially recognised prior to 2016, and valuations supporting Solvency II at the transition date were used to support the fair value calculation for transition for that business.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Changes have also been made to the Group’s cash flow statement arising from the adoption of IFRS 17. As noted below, IFRS 17 has required several measurement changes to the balance sheet including the derecognition of the value of in-force (VIF) asset, the measurement of contract liabilities on a probability-weighted basis and the creation of a CSM liability. These changes, together with the presentation of the change in insurance contract liabilities within the change in operating liabilities, have resulted in a restatement of the adjustment for changes in both operating assets and liabilities as well as non-cash and other items. Cash and cash equivalents at 31 December 2022 were not impacted by the adoption of IFRS 17.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On transition to IFRS 17, the Group’s total equity at 1 January 2022 was reduced by £1,935 million from £53,152 million under IFRS 4 to £51,217 million under IFRS 17. The reduction in equity is primarily driven by the derecognition of the VIF asset (£5,317 million), the move to a probability-weighted estimate (expected value) of contract liabilities (£5,915 million), the creation of the new CSM liability (£1,927 million, net of reinsurance) and the establishment of the risk adjustment (£1,492 million, net of reinsurance).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 1: Basis of preparation </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The CSM at the transition date is released to the income statement in future periods as insurance contract services are provided. The table below summarises the approach the Group has applied to groups of insurance contracts at the transition date and the resulting CSM.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:38.055%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:41.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.636%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">CSM at transition date</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Year contracts initially recognised</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Transition approach</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts initially recognised prior to 1 January 2016</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value approach</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,419 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts initially recognised after 1 January 2016</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Full retrospective approach</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">508 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,927 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 The fair value element of the CSM was determined as the difference between the fair value of a group of contracts and the fulfilment cash flows at 1 January 2022. Fair value was determined using an economic value creation model which relied on a number of judgements, assumptions and non-observable inputs including: the market participant in the transaction shared the same characteristics as the Group, the best estimate assumptions were aligned to those used by the Group in its 1 January 2022 regulatory calculations and the required capital in the model was based on the capital requirement, plus the additional internal capital buffer, at that date. The model considered the expected profit arising in each future period as the value of the realistic cash flow less the release of required capital. The stream of profits derived was then discounted at a required rate of return. The Group has applied the simplification permitting contracts in different annual cohorts to be grouped together into a single group for measurement purposes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In addition to the impact of £1,935 million at 1 January 2022, at 31 December 2022, total equity is also impacted by the restatement of the income statement for the year ended 31 December 2022, resulting in a further reduction of £1,632 million in retained profits. This arose from the impact of revised income recognition requirements, changes in interest rates during 2022 and the effect of contract modifications. There is a further reduction in total equity of £43 million in respect of the foreign currency translation reserve and the reclassification of treasury shares on transition to IFRS 17. Total equity at 31 December 2022 reduced by £3,610 million, from £47,521 million under IFRS 4 to £43,911 million under IFRS 17.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Whilst IFRS 17 does not change the total profit recognised over the life of an insurance contract or participating investment contract, it does change both the phasing of profit recognition and the amounts recognised within individual income statement line items, including other income and operating expenses. Under IFRS 17, the Group is required to defer substantially all of the expected profit through the recognition of a CSM on the balance sheet; the CSM is subsequently released to the income statement over the coverage period of the product. The expected profit includes estimated future premiums and claims together with expected administration costs such as claims handling costs, costs incurred to provide contractual policyholder benefits and policy administration and maintenance costs. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The impact of IFRS 17 on the Group’s results for the year ended 31 December 2022 was to reduce profit before tax by £2,146 million and reduce profit after tax by £1,632 million compared to results reported under IFRS 4.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Future accounting developments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The IASB has issued a number of minor amendments to IFRSs effective 1 January 2024, including IFRS 16 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Lease Liability in a Sale and Leasebac</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">k, IAS 1 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Non-current Liabilities with Covenants</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">, and IAS 1 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Classification of Liabilities as Current or Non-current</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">. These amendments are not expected to have a significant impact on the Group.</span></div>
CY2021Q4	ifrs-full	Equity Equity	51217000000	gbp
CY2023	ifrs-full	Disclosure Of Reconciliation Of Changes In Insurance Contracts By Components Explanatory DisclosureOfReconciliationOfChangesInInsuranceContractsByComponentsExplanatory	The table below summarises the approach the Group has applied to groups of insurance contracts at the transition date and the resulting CSM.<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:38.055%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:41.549%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.636%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">CSM at transition date</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Year contracts initially recognised</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Transition approach</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts initially recognised prior to 1 January 2016</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value approach</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,419 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts initially recognised after 1 January 2016</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Full retrospective approach</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">508 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,927 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 The fair value element of the CSM was determined as the difference between the fair value of a group of contracts and the fulfilment cash flows at 1 January 2022. Fair value was determined using an economic value creation model which relied on a number of judgements, assumptions and non-observable inputs including: the market participant in the transaction shared the same characteristics as the Group, the best estimate assumptions were aligned to those used by the Group in its 1 January 2022 regulatory calculations and the required capital in the model was based on the capital requirement, plus the additional internal capital buffer, at that date. The model considered the expected profit arising in each future period as the value of the realistic cash flow less the release of required capital. The stream of profits derived was then discounted at a required rate of return. The Group has applied the simplification permitting contracts in different annual cohorts to be grouped together into a single group for measurement purposes.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:37.036%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.917%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="39" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="21" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Contractual service margin</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Life</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Present<br/>value of<br/>future<br/>cash<br/>flows<br/>£m</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Risk<br/>adjustment<br/>for non-<br/>financial<br/>risk<br/>£m</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Contracts<br/>measured<br/>under the<br/>modified<br/>retrospective<br/>approach<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Contracts<br/>measured<br/>under the<br/>fair value<br/>approach<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other<br/>contracts<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(104,545)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,165)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,441)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,769)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,210)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(109,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(104,545)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,165)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,441)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,769)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,210)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(109,920)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to current services</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CSM recognised for services provided</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">130</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">199</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">329</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">329</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in risk adjustment for non-financial risk for risk expired</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Experience adjustments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">99</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">96</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">99</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">129</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">197</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">326</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">509</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to future services</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts initially recognised in the year</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">107</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(86)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(71)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in estimates that adjust the CSM</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">390</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(170)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(208)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(378)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in estimates that result in losses and reversal of losses on onerous contracts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">109</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">129</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">606</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(78)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(170)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(300)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(470)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to past services</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments to liabilities for incurred claims</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service result</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">705</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(41)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(103)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(144)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">567</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance income (expense) from insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,621)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(70)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(63)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,684)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total change in profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10,886)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(32)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(173)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(205)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,085)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premiums received</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,768)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,768)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Claims and other insurance service expenses paid</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,721</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,721</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,156</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,156</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfer to other items in the balance sheet</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(114,209)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,160)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,473)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,942)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,415)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,784)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(114,209)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,159)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,473)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,942)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,415)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,783)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Excluding insurance acquisition assets.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 32: Reconciliation of measurement components of insurance contract balances</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:37.036%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.917%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="39" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="21" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contractual service margin</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Life</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present<br/>value of<br/>future<br/>cash<br/>flows<br/>£m</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Risk<br/>adjustment<br/>for non-<br/>financial<br/>risk<br/>£m</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contracts<br/>measured<br/>under the<br/>modified<br/>retrospective<br/>approach<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contracts<br/>measured<br/>under the<br/>fair value<br/>approach<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>contracts<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">149 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(53)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(67)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(72)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(121,344)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,599)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,359)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(583)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,942)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(124,885)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(121,195)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,652)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,426)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(588)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,014)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(124,861)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to current services</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CSM recognised for services provided</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">123 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">122 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in risk adjustment for non-financial risk for risk expired</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">103 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">103 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Experience adjustments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(189)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(93)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(93)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(282)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(189)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">103 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">123 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">152 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">66 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to future services</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts initially recognised in the year</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,364 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(646)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,793)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,793)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(75)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in estimates that adjust the CSM</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(158)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">603 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(83)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(362)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(445)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in estimates that result in losses and reversal of losses on onerous contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,835)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">424 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,411)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">371 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">381 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(83)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,155)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,238)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,486)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to past services</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments to liabilities for incurred claims</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service result</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">178 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">488 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,126)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,086)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,420)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance income (expense) from insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,055 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(50)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(55)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(105)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,950 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(94)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total change in profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,145 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">487 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,181)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,196)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,436 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premiums received</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,861)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,861)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Claims and other insurance service expenses paid</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,099 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,099 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">438 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">438 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfer to other items in the balance sheet</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(104,545)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,165)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,441)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,769)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,210)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(104,545)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,165)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,441)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,769)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,210)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,920)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Excluding insurance acquisition assets.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Contracts initially recognised in the year, include present value of future cash flows of £2,281 million, risk adjustment of £(551) million and CSM of £(1,730) million relating to contracts that were modified to add a drawdown feature and recognised as new contracts.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The Group derecognised present value of future cash flows of £2,175 million, risk adjustment of £(534) million and CSM of £(399) million relating to contracts that were derecognised due to a contract modification to add a drawdown feature. The amounts derecognised are included within changes in estimates that adjust the CSM and changes that result in losses and reversal of losses on onerous contracts. A loss on contract derecognition modification of £1,242 million arose and was recognised in insurance service expense. Further details are provided in note 10.</span></div>
CY2022Q4	ifrs-full	Equity Equity	43911000000	gbp
CY2023	ifrs-full	Disclosure Of Material Accounting Policy Information Explanatory DisclosureOfMaterialAccountingPolicyInformationExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s accounting policies are set out below. These accounting policies have been applied consistently.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(A) Consolidation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The assets, liabilities and results of Group undertakings (including structured entities) are included in the financial statements on the basis of accounts made up to the reporting date. Group undertakings include subsidiaries, associates and joint ventures.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Subsidiaries</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Subsidiaries are entities controlled by the Group. The Group controls an entity when it has power over the entity, is exposed to, or has rights to, variable returns from its involvement with the entity, and has the ability to affect those returns through the exercise of its power. This generally accompanies a shareholding of more than one half of the voting rights although in certain circumstances a holding of less than one half of the voting rights may still result in the ability of the Group to exercise control. The existence and effect of potential voting rights that are currently exercisable or convertible are considered when assessing whether the Group controls another entity. The Group reassesses whether or not it controls an entity if facts and circumstances indicate that there have been changes to any of the above elements. Subsidiaries are fully consolidated from the date on which control is transferred to the Group; they are de-consolidated from the date that control ceases.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group consolidates collective investment vehicles if its beneficial ownership interests give it substantive rights to remove the external fund manager of the investment activities of the fund. Where a subsidiary of the Group is the fund manager of a collective investment vehicle, the Group considers a number of factors in determining whether it acts as principal, and therefore controls the collective investment vehicle, including: an assessment of the scope of the Group’s decision making authority over the investment vehicle; the rights held by other parties including substantive removal rights without cause over the Group acting as fund manager; the remuneration to which the Group is entitled in its capacity as decision-maker; and the Group’s exposure to variable returns from the beneficial interest that it holds in the investment vehicle. Consolidation may be appropriate in circumstances where the Group has less than a majority beneficial interest. Where a collective investment vehicle is consolidated the interests of parties other than the Group are reported in other liabilities and the movement in those interests in movement in third party interests in consolidated funds.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Structured entities are entities that are designed so that their activities are not governed by way of voting rights. In assessing whether the Group has power over such entities in which it has an interest, the Group considers factors such as the purpose and design of the entity; its practical ability to direct the relevant activities of the entity; the nature of the relationship with the entity; and the size of its exposure to the variability of returns of the entity.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The treatment of transactions with non-controlling interests depends on whether, as a result of the transaction, the Group loses control of the subsidiary. Changes in the parent’s ownership interest in a subsidiary that do not result in a loss of control are accounted for as equity transactions; any difference between the amount by which the non-controlling interests are adjusted and the fair value of the consideration paid or received is recognised directly in equity and attributed to the owners of the parent entity. Where the Group loses control of the subsidiary, at the date when control is lost the amount of any non-controlling interest in that former subsidiary is derecognised and any investment retained in the former subsidiary is remeasured to its fair value; the gain or loss that is recognised in profit or loss on the partial disposal of the subsidiary includes the gain or loss on the remeasurement of the retained interest.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Intercompany transactions, balances and unrealised gains and losses on transactions between Group companies are eliminated.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The acquisition method of accounting is used to account for business combinations by the Group. The consideration for the acquisition of a subsidiary is the fair value of the assets transferred, the liabilities incurred and the equity interests issued by the Group. The consideration includes the fair value of any asset or liability resulting from a contingent consideration arrangement. Acquisition-related costs are expensed as incurred except those relating to the issuance of debt instruments (see (E)(4) below) or share capital (see (Q) below). Identifiable assets acquired and liabilities assumed in a business combination are measured initially at their fair value at the acquisition date.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) Joint ventures and associates</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Joint ventures are joint arrangements over which the Group has joint control with other parties and has rights to the net assets of the arrangements. Joint control is the contractually agreed sharing of control of an arrangement and only exists when decisions about the relevant activities require the unanimous consent of the parties sharing control. Associates are entities over which the Group has significant influence. Significant influence is the power to participate in the financial and operating policy decisions of the entity, but is not control or joint control of those policies, and is generally achieved through holding between 20 per cent and 50 per cent of the voting share capital of the entity.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group utilises the venture capital exemption for investments where significant influence or joint control is present and the business unit operates as a venture capital business. These investments are designated on initial recognition at fair value through profit or loss. Otherwise, the Group’s investments in joint ventures and associates are accounted for using the equity method of accounting.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(B) Goodwill</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Goodwill arises on business combinations and represents the excess of the cost of an acquisition over the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities acquired. Where the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities of the acquired entity is greater than the cost of acquisition, the excess is recognised immediately in the income statement.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Goodwill is recognised as an asset at cost and is tested at least annually for impairment. For impairment testing, goodwill is allocated to the cash-generating unit (CGU) or groups of CGUs that are expected to benefit from the business combination. The Group’s CGUs are largely product based for its Retail and Insurance businesses and client based for its Commercial Banking business. An impairment loss is recognised if the carrying amount of a CGU is determined to be greater than its recoverable amount. The recoverable amount of a CGU is the higher of its fair value less costs to sell and its value in use. If an impairment is identified the carrying value of the goodwill is written down immediately through the income statement and this is not subsequently reversed. At the date of disposal of a subsidiary, the carrying value of attributable goodwill is included in the calculation of the profit or loss on disposal.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(C) Other intangible assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Intangible assets which have been determined to have a finite useful life are amortised on a straight-line basis over their estimated useful life as follows: up to seven years for capitalised software; 10 to 15 years for brands and other intangible assets.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Intangible assets with finite useful lives are reviewed at each reporting date to assess whether there is any indication that they are impaired. If any such indication exists the recoverable amount of the asset is determined and in the event that the asset’s carrying amount is greater than its recoverable amount, it is written down immediately. Certain brands have been determined to have an indefinite useful life and are not amortised. Such intangible assets are assessed annually to determine whether the asset is impaired and to reconfirm that an indefinite useful life remains appropriate. In the event that an indefinite life is inappropriate, a finite life is determined and a further impairment review is performed on the asset.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(D) Revenue recognition</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Net interest income</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Interest income and expense are recognised in the income statement using the effective interest method for all interest-bearing financial instruments, except for those classified at fair value through profit or loss. The effective interest method is a method of calculating the amortised cost of a financial asset or liability and of allocating the interest income or interest expense over the expected life of the financial instrument. The effective interest rate is the rate that exactly discounts the estimated future cash payments or receipts over the expected life of the financial instrument to the gross carrying amount of the financial asset (before adjusting for expected credit losses) or to the amortised cost of the financial liability, including early redemption fees, other fees, and premiums and discounts that are an integral part of the overall return. In the case of financial assets that are purchased or originated credit-impaired, the effective interest rate is the rate that discounts the estimated future cash flows to the amortised cost of the instrument. Direct incremental transaction costs related to the acquisition, issue or disposal of a financial instrument are also taken into account. Interest income from non-credit-impaired financial assets is recognised by applying the effective interest rate to the gross carrying amount of the asset; for credit-impaired financial assets, the effective interest rate is applied to the net carrying amount after deducting the allowance for expected credit losses. Impairment policies are set out in (H) below.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) Fee and commission income and expense</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Fees and commissions receivable which are not an integral part of the effective interest rate are recognised as income as the Group fulfils its performance obligations. The Group’s principal performance obligations arising from contracts with customers are in respect of value added current accounts, credit cards and debit cards. These fees are received, and the Group provides the service, monthly; the fees are recognised in income on this basis. The Group also receives certain fees in respect of its asset finance business where the performance obligations are typically fulfilled towards the end of the customer contract; these fees are recognised in income on this basis. Where it is unlikely that the loan commitments will be drawn, loan commitment fees are recognised in fee and commission income over the life of the facility, rather than as an adjustment to the effective interest rate for the lending expected to be drawn. Incremental costs incurred to generate fee and commission income are charged to fee and commission expense as they are incurred.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(3) Other</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Dividend income is recognised when the right to receive payment is established.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Revenue recognition policies specific to trading income are set out in (E)(3) below; those relating to life insurance and general insurance business are detailed below (see (M) and (N) below); and those relating to leases are set out in (J)(1) below.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(E) Financial assets and liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On initial recognition, financial assets are classified as measured at amortised cost, fair value through other comprehensive income or fair value through profit or loss, depending on the Group’s business model for managing those financial assets and whether the resultant cash flows represent solely payments of principal and interest. The Group assesses its business models at a portfolio level based on its objectives for the relevant portfolio, how the performance of the portfolio is managed and reported, and the frequency of asset sales. Financial assets with embedded derivatives are considered in their entirety when considering their cash flow characteristics. The Group reclassifies financial assets only when its business model for managing those assets changes. A reclassification will only take place when the change is significant to the Group’s operations and will occur at a portfolio level and not for individual instruments; reclassifications are expected to be rare. Equity investments are measured at fair value through profit or loss unless the Group elects at initial recognition to account for the instruments at fair value through other comprehensive income. For these instruments, principally strategic investments, dividends are recognised in profit or loss but fair value gains and losses are not subsequently reclassified to profit or loss following derecognition of the investment.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group initially recognises loans and advances, deposits, debt securities in issue and subordinated liabilities when the Group becomes a party to the contractual provisions of the instrument. Regular way purchases and sales of securities and other financial assets and trading liabilities are recognised on trade date, being the date that the Group is committed to purchase or sell an asset.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial assets are derecognised when the contractual right to receive cash flows from those assets has expired or when the Group has transferred its contractual right to receive the cash flows from the assets and either: substantially all of the risks and rewards of ownership have been transferred; or the Group has neither retained nor transferred substantially all of the risks and rewards, but has transferred control.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial liabilities are derecognised when the obligation is discharged, cancelled or expires.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Financial instruments measured at amortised cost</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial assets that are held to collect contractual cash flows where those cash flows represent solely payments of principal and interest are measured at amortised cost. A basic lending arrangement results in contractual cash flows that are solely payments of principal and interest on the principal amount outstanding. Where the contractual cash flows introduce exposure to risks or volatility unrelated to a basic lending arrangement such as changes in equity prices or commodity prices, the payments do not comprise solely principal and interest. Financial assets measured at amortised cost are predominantly loans and advances to customers and banks, reverse repurchase agreements and certain debt securities used by the Group to manage its liquidity. Loans and advances and reverse repurchase agreements are initially recognised when cash is advanced to the borrower at fair value inclusive of transaction costs. Interest income is accounted for using the effective interest method (see (D) above).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial liabilities are measured at amortised cost, except for trading liabilities and other financial liabilities designated at fair value through profit or loss on initial recognition which are held at fair value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where changes are made to the contractual cash flows of a financial asset or financial liability that are economically equivalent and arise as a direct consequence of interest rate benchmark reform, the Group updates the effective interest rate and does not recognise an immediate gain or loss.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) Financial assets measured at fair value through other comprehensive income</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial assets that are held to collect contractual cash flows and for subsequent sale, where the assets’ cash flows represent solely payments of principal and interest, are recognised in the balance sheet at their fair value, inclusive of transaction costs. Interest calculated using the effective interest method and foreign exchange gains and losses on assets denominated in foreign currencies are recognised in the income statement. All other gains and losses arising from changes in fair value are recognised directly in other comprehensive income, until the financial asset is either sold or matures, at which time, other than in respect of equity shares, the cumulative gain or loss previously recognised in other comprehensive income is recognised in the income statement. The cumulative revaluation amount in respect of equity shares is transferred directly to retained profits. The Group recognises a charge for expected credit losses in the income statement (see (H) below). As the asset is measured at fair value, the charge does not adjust the carrying value of the asset, and this is reflected in other comprehensive income.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(3) Financial instruments measured at fair value through profit or loss</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial assets are classified at fair value through profit or loss where they do not meet the criteria to be measured at amortised cost or fair value through other comprehensive income or where they are designated at fair value through profit or loss to reduce an accounting mismatch. All derivatives are carried at fair value through profit or loss, other than those in effective cash flow and net investment hedging relationships. Derivatives are carried on the balance sheet as assets when their fair value is positive and as liabilities when their fair value is negative. Refer to note 21(2) (Financial instruments: Financial assets and liabilities carried at fair value) for details of valuation techniques and significant inputs to valuation models.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Derivatives embedded in a financial asset are not considered separately; the financial asset is considered in its entirety when determining whether its cash flows are solely payments of principal and interest. Derivatives embedded in financial liabilities and insurance contracts (unless the embedded derivative is itself an insurance contract) are treated as separate derivatives when their economic characteristics and risks are not closely related to those of the host contract and the host contract is not carried at fair value through profit or loss. These embedded derivatives are measured at fair value with changes in fair value recognised in the income statement.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The assets backing the insurance and investment contracts issued by the Group do not meet the criteria to be measured at amortised cost or fair value through other comprehensive income as they are managed on a fair value basis and accordingly are measured at fair value through profit or loss. Similarly, trading securities, which are debt securities and equity shares acquired principally for the purpose of selling in the short term or which are part of a portfolio which is managed for short-term gains, do not meet these criteria and are also measured at fair value through profit or loss. Financial assets measured at fair value through profit or loss are recognised in the balance sheet at their fair value. Fair value gains and losses together with interest coupons and dividend income are recognised in the income statement within net trading income.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial liabilities are measured at fair value through profit or loss where they are trading liabilities or where they are designated at fair value through profit or loss in order to reduce an accounting mismatch; where the liabilities are part of a group of liabilities (or assets and liabilities) which is managed, and its performance evaluated, on a fair value basis; or where the liabilities contain one or more embedded derivatives that significantly modify the cash flows arising under the contract and would otherwise need to be separately accounted for. Financial liabilities measured at fair value through profit or loss are recognised in the balance sheet at their fair value. Fair value gains and losses are recognised in the income statement within net trading income in the period in which they occur, except in the case of financial liabilities designated at fair value through profit or loss where gains and losses attributable to changes in own credit risk are recognised in other comprehensive income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair values of assets and liabilities traded in active markets are based on current bid and offer prices, respectively, which include the expected effects of potential changes to laws and regulations, risks associated with climate change and other factors. If the market is not active the Group establishes a fair value by using valuation techniques. The fair values of derivative financial instruments are adjusted where appropriate to reflect credit risk (via credit valuation adjustments (CVAs), debit valuation adjustments (DVAs) and funding valuation adjustments (FVAs)), market liquidity and other risks.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(4) Borrowings</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Borrowings (which include deposits from banks, customer deposits, repurchase agreements, debt securities in issue and subordinated liabilities) are recognised initially at fair value, being their issue proceeds net of transaction costs incurred. These instruments are subsequently stated at amortised cost using the effective interest method.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Preference shares and other instruments which carry a mandatory coupon or are redeemable on a specific date are classified as financial liabilities. The coupon on these instruments is recognised in the income statement as interest expense. Securities which carry a discretionary coupon and have no fixed maturity or redemption date are classified as other equity instruments. Interest payments on these securities are recognised as distributions from equity in the period in which they are paid. An exchange of financial liabilities on substantially different terms is accounted for as an extinguishment of the original financial liability and the recognition of a new financial liability. The difference between the carrying amount of a financial liability extinguished and the new financial liability is recognised in profit or loss together with any related costs or fees incurred.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">When a financial liability is exchanged for an equity instrument, the new equity instrument is recognised at fair value and any difference between the carrying value of the liability and the fair value of the new equity instrument is recognised in profit or loss.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(5) Sale and repurchase agreements (including securities lending and borrowing)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Securities sold subject to repurchase agreements (repos) continue to be recognised on the balance sheet where substantially all of the risks and rewards are retained. Funds received for repos carried at fair value are included within trading liabilities. Conversely, securities purchased under agreements to resell (reverse repos), where the Group does not acquire substantially all of the risks and rewards of ownership, are measured at amortised cost or at fair value. Those measured at fair value are recognised within trading securities. The difference between sale and repurchase price is treated as interest and accrued over the life of the agreements using the effective interest method.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Securities borrowing and lending transactions are typically secured; collateral takes the form of securities or cash advanced or received. Securities lent to counterparties are retained on the balance sheet. Securities borrowed are not recognised on the balance sheet, unless these are sold to third parties, in which case the obligation to return them is recorded at fair value as a trading liability. Cash collateral given or received is treated as a loan and advance measured at amortised cost or customer deposit.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(F) Hedge accounting</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As permitted by IFRS 9, the Group continues to apply the requirements of IAS 39 to its hedging relationships. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Changes in the fair value of all derivative instruments, other than those in effective cash flow and net investment hedging relationships, are recognised immediately in the income statement. As noted in (2) and (3) below, the change in fair value of a derivative in an effective cash flow or net investment hedging relationship is allocated between the income statement and other comprehensive income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Hedge accounting allows one financial instrument, generally a derivative such as a swap, to be designated as a hedge of another financial instrument such as a loan or deposit or a portfolio of such instruments. At the inception of the hedge relationship, formal documentation is drawn up specifying the hedging strategy, the hedged item, the hedging instrument and the methodology that will be used to measure the effectiveness of the hedge relationship in offsetting changes in the fair value or cash flow of the hedged risk. The effectiveness of the hedging relationship is tested both at inception and throughout its life and if at any point it is concluded that it is no longer highly effective in achieving its documented objective, hedge accounting is discontinued. Note 22 provides details of the types of derivatives held by the Group and presents separately those designated in hedge relationships. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where there is uncertainty arising from interest rate benchmark reform, the Group assumes that the interest rate benchmark on which the hedged cash flows and/or the hedged risk are based, or the interest rate benchmark on which the cash flows of the hedging instrument are based, are not altered as a result of interest rate benchmark reform. The Group does not discontinue a hedging relationship during the period of uncertainty arising from the interest rate benchmark reform solely because the actual results of the hedge are not highly effective.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where the contractual terms of a financial asset, financial liability or derivative are amended, on an economically equivalent basis, as a direct consequence of interest rate benchmark reform, the uncertainty arising from the reform is no longer present. In these circumstances, the Group amends the hedge documentation to reflect the changes required by the reform; these changes to the documentation do not in and of themselves result in the discontinuation of hedge accounting or require the designation of a new hedge relationship.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Fair value hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Changes in the fair value of derivatives that are designated and qualify as fair value hedges are recorded in the income statement, together with the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk; this also applies if the hedged asset is classified as a financial asset at fair value through other comprehensive income. If the hedge no longer meets the criteria for hedge accounting, changes in the fair value of the hedged item attributable to the hedged risk are no longer recognised in the income statement. The cumulative adjustment that has been made to the carrying amount of the hedged item is amortised to the income statement using the effective interest method over the period to maturity.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) Cash flow hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The effective portion of changes in the fair value of derivatives that are designated and qualify as cash flow hedges is recognised in other comprehensive income in the cash flow hedging reserve. The gain or loss relating to the ineffective portion is recognised immediately in the income statement. Amounts accumulated in equity are reclassified to the income statement in the periods in which the hedged item affects profit or loss. When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss existing in equity at that time remains in equity and is recognised in the income statement when the forecast transaction is ultimately recognised in the income statement. When a forecast transaction is no longer expected to occur, the cumulative gain or loss that was reported in equity is immediately transferred to the income statement.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(3) Net investment hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Hedges of net investments in foreign operations are accounted for similarly to cash flow hedges. Any gain or loss on the hedging instrument relating to the effective portion of the hedge is recognised in other comprehensive income, and the gain or loss relating to the ineffective portion is recognised immediately in the income statement. Gains and losses accumulated in equity are included in the income statement when the foreign operation is disposed of. The hedging instruments used in net investment hedges may include non-derivative liabilities as well as derivative financial instruments.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(G) Offset</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is a legally enforceable right of offset and there is an intention to settle on a net basis, or realise the asset and settle the liability simultaneously. Cash collateral on exchange traded derivative transactions is presented gross unless the collateral cash flows are always settled net with the derivative cash flows. In certain situations, even though master netting agreements exist, the lack of management intention to settle on a net basis results in the financial assets and liabilities being reported gross on the balance sheet.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span id="i07353147c39444fb89ecc441723d4556_870"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(H) Impairment of financial assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The impairment charge in the income statement reflects the change in expected credit losses, including those arising from fraud. Expected credit losses are recognised for loans and advances to customers and banks, other financial assets held at amortised cost, financial assets (other than equity investments) measured at fair value through other comprehensive income, and certain loan commitments and financial guarantee contracts. Expected credit losses are calculated as an unbiased and probability-weighted estimate using an appropriate probability of default, adjusted to take into account a range of possible future economic scenarios, and applying this to the estimated exposure of the Group at the point of default after taking into account the value of any collateral held, repayments, or other mitigants of loss and including the impact of discounting using the effective interest rate.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At initial recognition, allowance (or provision in the case of some loan commitments and financial guarantees) is made for expected credit losses resulting from default events that are possible within the next 12 months (12-month expected credit losses). In the event of a significant increase in credit risk since origination, allowance (or provision) is made for expected credit losses resulting from all possible default events over the expected life of the financial instrument (lifetime expected credit losses). Financial assets where 12-month expected credit losses are recognised are considered to be Stage 1; financial assets which are considered to have experienced a significant increase in credit risk since initial recognition are in Stage 2; and financial assets which have defaulted or are otherwise considered to be credit-impaired are allocated to Stage 3. Some Stage 3 assets, mainly in Commercial Banking, are subject to individual rather than collective assessment. Such cases are subject to a risk-based impairment sanctioning process, and these are reviewed and updated at least quarterly, or more frequently if there is a significant change in the credit profile. The collective assessment of impairment aggregates financial instruments with similar risk characteristics, such as whether the facility is revolving in nature or secured and the type of security held against financial assets.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">An assessment of whether credit risk has increased significantly since initial recognition considers the change in the risk of default occurring over the remaining expected life of the financial instrument. In determining whether there has been a significant increase in credit risk, the Group uses quantitative tests based on relative and absolute probability of default (PD) movements linked to internal credit ratings together with qualitative indicators such as watchlists and other indicators of historical delinquency, credit weakness or financial difficulty. The use of internal credit ratings and qualitative indicators ensures alignment between the assessment of staging and the Group’s management of credit risk which utilises these internal metrics within distinct retail and commercial portfolio risk management practices. However, unless identified at an earlier stage, the credit risk of financial assets is deemed to have increased significantly when more than 30 days past due. The use of a payment holiday in and of itself has not been judged to indicate a significant increase in credit risk, with the underlying long-term credit risk deemed to be driven by economic conditions and captured through the use of forward-looking models. These portfolio-level models are capturing the anticipated volume of increased defaults and therefore an appropriate assessment of staging and expected credit loss. Where the credit risk subsequently improves such that it no longer represents a significant increase in credit risk since initial recognition, the asset is transferred back to Stage 1.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Assets are transferred to Stage 3 when they have defaulted or are otherwise considered to be credit-impaired. Default is considered to have occurred when there is evidence that the customer is experiencing financial difficulty which is likely to affect significantly the ability to repay the amount due. IFRS 9 contains a rebuttable presumption that default occurs no later than when a payment is 90 days past due which the Group now uses for all its products following changes to the definition of default for UK mortgages on 1 January 2022. In addition, other indicators of mortgage default are added including end-of-term payments on past due interest-only accounts and loans considered non-performing due to recent arrears or forbearance. The use of payment holidays is not considered to be an automatic trigger of regulatory default and therefore does not automatically trigger Stage 3. Days past due will also not accumulate on any accounts that have taken a payment holiday including those already past due.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In certain circumstances, the Group will renegotiate the original terms of a customer’s loan, either as part of an ongoing customer relationship or in response to adverse changes in the circumstances of the borrower. In the latter circumstances, the loan will remain classified as either Stage 2 or Stage 3 until the credit risk has improved such that it no longer represents a significant increase since origination (for a return to Stage 1), or the loan is no longer credit-impaired (for a return to Stage 2). On renegotiation the gross carrying amount of the loan is recalculated as the present value of the renegotiated or modified contractual cash flows, which are discounted at the original effective interest rate. Renegotiation may also lead to the loan and associated allowance being derecognised and a new loan being recognised initially at fair value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Purchased or originated credit-impaired financial assets (POCI) include financial assets that are purchased or originated at a deep discount that reflects incurred credit losses. At initial recognition, POCI assets do not carry an impairment allowance; instead, lifetime expected credit losses are incorporated into the calculation of the effective interest rate. All changes in lifetime expected credit losses subsequent to the assets’ initial recognition are recognised as an impairment charge.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A loan or advance is normally written off, either partially or in full, against the related allowance when the proceeds from realising any available security have been received or there is no realistic prospect of recovery and the amount of the loss has been determined. Subsequent recoveries of amounts previously written off decrease the amount of impairment losses recorded in the income statement. For both secured and unsecured retail balances, the write-off takes place only once an extensive set of collections processes has been completed, or the status of the account reaches a point where policy dictates that continuing attempts to recover are no longer appropriate. For commercial lending, a write-off occurs if the loan facility with the customer is restructured, the asset is under administration and the only monies that can be received are the amounts estimated by the administrator, the underlying assets are disposed and a decision is made that no further settlement monies will be received, or external evidence (for example, third party valuations) is available that there has been an irreversible decline in expected cash flows.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(I) Property, plant and equipment</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Property, plant and equipment (other than investment property) is included at cost less accumulated depreciation. The value of land (included in premises) is not depreciated. Depreciation on other assets is calculated using the straight-line method to allocate the difference between the cost and the residual value over their estimated useful lives, as follows: the shorter of 50 years and the remaining period of the lease for freehold/long and short leasehold premises; the shorter of 10 years and, if lease renewal is not likely, the remaining period of the lease for leasehold improvements; 10 to 20 years for fixtures and furnishings; and 2 to 8 years for other equipment and motor vehicles.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The assets’ residual values and useful lives are reviewed and, if appropriate, revised at each balance sheet date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable. In assessing the recoverable amount of assets the Group considers the effects of potential or actual changes in legislation, customer behaviour, climate-related risks and other factors on the asset’s CGU. In the event that an asset’s CGU carrying amount is determined to be greater than its recoverable amount the asset is written down immediately.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Investment property comprises freehold and long leasehold land and buildings that are held either to earn rental income or for capital accretion or both, primarily within the life insurance funds. In accordance with the guidance published by the Royal Institution of Chartered Surveyors, investment property is carried at fair value based on current prices for similar properties, adjusted for the specific characteristics of the property (such as location or condition). If this information is not available, the Group uses alternative valuation methods such as discounted cash flow projections or recent prices in less active markets. These valuations are reviewed at least annually by independent professionally qualified valuers. Investment property being redeveloped for continuing use as investment property, or for which the market has become less active, continues to be valued at fair value.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span id="i07353147c39444fb89ecc441723d4556_872"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(J) Leases</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Under IFRS 16, a lessor is required to determine whether a lease is a finance or operating lease. A lessee is not required to make this determination.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) As lessor</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Assets leased to customers are classified as finance leases if the lease agreements transfer substantially all of the risks and rewards of ownership to the lessee but not necessarily legal title. All other leases are classified as operating leases. When assets are subject to finance leases, the present value of the lease payments, together with any unguaranteed residual value, is recognised as a receivable, net of allowances for expected credit losses and residual value impairment, within loans and advances to banks and customers. The difference between the gross receivable and the present value of the receivable is recognised as unearned finance lease income. Finance lease income is recognised in interest income over the term of the lease using the net investment method (before tax) so as to give a constant rate of return on the net investment in the lease. Unguaranteed residual values are reviewed regularly to identify any impairment.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Operating lease assets are included within other assets at cost and depreciated over their estimated useful lives. The depreciation charge is based on the asset’s residual value and the life of the lease. Operating lease rental income is recognised on a straight-line basis over the life of the lease.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group evaluates non-lease arrangements such as outsourcing and similar contracts to determine if they contain a lease which is then accounted for separately.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) As lessee</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Leases are recognised as a right-of-use asset and a corresponding liability at the date at which the leased asset is available for use by the Group. Assets and liabilities arising from a lease are initially measured on a present value basis. The lease payments are discounted using the interest rate implicit in the lease, if that rate can be determined, or the Group’s incremental borrowing rate appropriate for the right-of-use asset arising from the lease, and the liability recognised within other liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Lease payments are allocated between the liability and finance cost. The finance cost is charged to profit or loss over the lease period so as to produce a constant periodic rate of interest on the remaining balance of the liability for each period. The right-of-use asset is depreciated over the shorter of the asset’s useful life and the lease term on a straight-line basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Payments associated with short-term leases and leases of low-value assets are recognised on a straight-line basis as an expense in profit or loss. Short-term leases are leases with a lease term of 12 months or less. Low-value assets comprise IT equipment and small items of office furniture.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span id="i07353147c39444fb89ecc441723d4556_884"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(K) Employee benefits</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Short-term employee benefits, such as salaries, paid absences, performance-based cash awards and social security costs, are recognised over the period in which the employees provide the related services.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Pension schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group operates a number of post-retirement benefit schemes for its employees including both defined benefit and defined contribution pension plans. A defined benefit scheme is a pension plan that defines an amount of pension benefit that an employee will receive on retirement, dependent on one or more factors such as age, years of pensionable service and pensionable salary. A defined contribution plan is a pension plan into which the Group pays fixed contributions; there is no legal or constructive obligation to pay further contributions.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Defined benefit schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Scheme assets are included at their fair value and scheme liabilities are measured on an actuarial basis using the projected unit credit method. The defined benefit scheme liabilities are discounted using rates equivalent to the market yields at the balance sheet date on high quality corporate bonds that are denominated in the currency in which the benefits will be paid, and that have terms to maturity approximating to the terms of the related pension liability. The Group’s income statement charge includes the current service cost of providing pension benefits, past service costs, net interest expense (income), and plan administration costs that are not deducted from the return on plan assets. Past service costs, which represents the change in the present value of the defined benefit obligation resulting from a plan amendment or curtailment, are recognised when the plan amendment or curtailment occurs. Net interest expense (income) is calculated by applying the discount rate at the beginning of the period to the net defined benefit liability or asset.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Remeasurements, comprising actuarial gains and losses, the return on plan assets (excluding amounts included in net interest expense (income) and net of the cost of managing the plan assets), and the effect of changes to the asset ceiling (if applicable) are reflected immediately in the balance sheet with a charge or credit recognised in other comprehensive income in the period in which they occur. Remeasurements recognised in other comprehensive income are reflected immediately in retained profits and will not subsequently be reclassified to profit or loss.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s balance sheet includes the net surplus or deficit, being the difference between the fair value of scheme assets and the discounted value of scheme liabilities at the balance sheet date. Surpluses are only recognised to the extent that they are recoverable through reduced contributions in the future or through refunds from the schemes. In assessing whether a surplus is recoverable, the Group considers (i) its current right to obtain a refund or a reduction in future contributions and (ii) the rights of other parties existing at the balance sheet date. In determining the rights of third parties existing at the balance sheet date, the Group does not anticipate any future acts by other parties. </span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(ii) Defined contribution schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The costs of the Group’s defined contribution plans are charged to the income statement in the period in which they fall due.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) Share-based compensation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group operates a number of equity-settled, share-based compensation plans in respect of services received from certain of its employees. The value of the employee services received in exchange for equity instruments granted under these plans is recognised as an expense over the vesting period of the instruments, with a corresponding increase in equity. This expense is determined by reference to the fair value of the number of equity instruments that are expected to vest. The fair value of equity instruments granted is based on market prices, if available, at the date of grant. In the absence of market prices, the fair value of the instruments at the date of grant is estimated using an appropriate valuation technique, such as a Black-Scholes option pricing model or a Monte Carlo simulation. The determination of fair values excludes the impact of any non-market vesting conditions, which are included in the assumptions used to estimate the number of options that are expected to vest. At each balance sheet date, this estimate is reassessed and if necessary revised. Any revision of the original estimate is recognised in the income statement, together with a corresponding adjustment to equity. Cancellations by employees of contributions to the Group’s Save As You Earn plans are treated as non-vesting conditions and the Group recognises, in the year of cancellation, the amount of the expense that would have otherwise been recognised over the remainder of the vesting period. Modifications are assessed at the date of modification and any incremental charges are charged to the income statement.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(L) Taxation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Tax expense comprises current and deferred tax. Current and deferred tax are charged or credited in the income statement except to the extent that the tax arises from a transaction or event which is recognised, in the same or a different period, outside the income statement (either in other comprehensive income, directly in equity, or through a business combination), in which case the tax appears in the same statement as the transaction that gave rise to it. The tax consequences of the Group’s dividend payments (including distributions on other equity instruments), if any, are charged or credited to the statement in which the profit distributed originally arose.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Current tax is the amount of corporate income taxes expected to be payable or recoverable based on the profit for the period as adjusted for items that are not taxable or not deductible, and is calculated using tax rates and laws that were enacted or substantively enacted at the balance sheet date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Current tax includes amounts provided in respect of uncertain tax positions when management expects that, upon examination of the uncertainty by His Majesty’s Revenue and Customs (HMRC) or other relevant tax authority, it is more likely than not that an economic outflow will occur. Provisions reflect management’s best estimate of the ultimate liability based on their interpretation of tax law, precedent and guidance, informed by external tax advice as necessary. Changes in facts and circumstances underlying these provisions are reassessed at each balance sheet date, and the provisions are remeasured as required to reflect current information.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the Group’s long-term insurance businesses, the tax expense is analysed between tax that is payable in respect of policyholders’ returns and tax that is payable on the shareholders’ returns. This allocation is based on an assessment of the rates of tax which will be applied to the returns under the current UK tax rules.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deferred tax is recognised on temporary differences arising between the tax bases of assets and liabilities and their carrying amounts in the balance sheet. Deferred tax is calculated using tax rates and laws that have been enacted or substantively enacted at the balance sheet date, and which are expected to apply when the related deferred tax asset is realised or the deferred tax liability is settled.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deferred tax liabilities are generally recognised for all taxable temporary differences but not recognised for taxable temporary differences arising on investments in subsidiaries where the reversal of the temporary difference can be controlled and it is probable that the difference will not reverse in the foreseeable future. Deferred tax liabilities are not recognised on temporary differences that arise from goodwill which is not deductible for tax purposes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deferred tax assets are recognised to the extent it is probable that taxable profits will be available against which the deductible temporary differences can be utilised, and are reviewed at each balance sheet date and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deferred tax assets and liabilities are not recognised in respect of temporary differences that arise on initial recognition of assets and liabilities acquired other than in a business combination. Deferred tax is not discounted.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(M) Insurance – IFRS 17</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group undertakes both life insurance and general insurance business. Insurance and participating investment contracts, and reinsurance contracts issued and held, are accounted for under IFRS 17 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Insurance Contracts</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Products sold by the life insurance business are classified into three categories:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Insurance contracts are contracts that transfer significant insurance risk and may also transfer financial risk. The Group defines significant insurance risk as the possibility of having to pay benefits on the occurrence of an insured event which are significantly higher than the benefits payable if the insured event were not to occur. Once a contract has been classified as an insurance contract, it remains an insurance contract until all obligations are extinguished unless that contract is derecognised due to a contract modification. These contracts are classified as either direct participating contracts or contracts without direct participation features. Contracts without direct participation features are accounted for using the general measurement model (GMM) for life contracts or the premium allocation approach (PAA) for general insurance contracts. Direct participating contracts are contracts for which, at inception, the contractual terms specify the policyholders participate in a clearly identified pool of underlying items. Under the terms of these contracts the policyholders are entitled to a substantial share of the returns and change in fair value of the underlying items. These contracts are accounted for under the variable fee approach (VFA)</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Participating investment contracts are investment contracts that contain a discretionary participation feature (DPF). They do not transfer significant insurance risk, but contain a contractual right to receive, as a supplement to an amount not subject to the discretion of the Group, additional amounts that are expected to be a significant portion of the total contractual benefits. The timing or amount of these additional amounts are at the discretion of the Group and are contractually based on the returns on a specified pool of contracts or type of contract, returns on a specified pool of assets held by the Group or profit or loss of a fund</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">For certain insurance and investment contracts, the contract can be partly invested in units which contain a DPF and partly in units without. In these circumstances, where the contract also contains features that transfer significant insurance risk, they are classified as insurance contracts. Where this is not the case, and the discretionary cash flows are expected to be a significant portion of the total contractual benefits, they are classified as participating investment contracts. Where the discretionary cash flows are not expected to be a significant portion of the total contractual benefits, they are classified as financial instruments. An investment component is defined as the amount that an insurance contract requires the entity to repay to a policyholder in all circumstances, regardless of whether an insured event occurs. The investment component of the insurance and participating investment contract is non-distinct and is not separated. The Group applies judgement to determine the investment component for each contract considering the extent to which insurance and investment components are highly interrelated or not applying factors such as: whether the policyholder is able to benefit from one component unless the other component is present; and whether the value of the investment component is dependent on the timing of the insured event. The value of the non-distinct investment component is determined on the following bases: for immediate annuities, full claim amount when within the guaranteed period; for unit-linked and With-Profits contracts, policyholder’s account value</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The general insurance business issues only insurance contracts.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Life insurance business</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Accounting for insurance and participating investment contracts</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Recognition</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group aggregates insurance and participating investment contracts into portfolios of contracts subject to similar risks and managed together. Each portfolio of insurance contracts is divided into annual cohorts (by year of issue). Annual cohorts are divided into groups of insurance and participating investment contracts based on profitability expectations at initial recognition. The directly attributable costs of selling, underwriting and starting a group of insurance and participating investment contracts are allocated to the group of insurance and participating investment contracts using a systematic and rational method.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On initial recognition, a group of insurance and participating investment contracts is measured as the total of the fulfilment cash flows and the contractual service margin (CSM). The measurement includes all future cash flows that are within the contract boundary of each contract in the group. The fulfilment cash flows comprise unbiased and probability-weighted estimates of future cash flows, discounted to present value to reflect the time value of money and financial risks, plus an explicit risk adjustment for non-financial risk. The discount rate applied reflects the time value of money, the characteristics of the cash flows, the liquidity characteristics of the insurance and participating investment contracts and, where appropriate, is consistent with observable current market prices. The risk adjustment for non-financial risk for a group of insurance and participating investment contracts is the compensation required for bearing the uncertainty about the amount and timing of the cash flows that arises from non-financial risk. Diversification benefit is calculated based on Group level diversification of risks. To determine the risk adjustments for non-financial risk for reinsurance contracts, the Group applies these techniques both gross and net of excess of loss reinsurance and derives the amount of risk being transferred to the reinsurer as the difference between the two results. The CSM of a group of insurance and participating investment contracts represents the unearned profit that the Group expects to recognise as it provides insurance contract services under those contracts in the future.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Contract boundaries</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The measurement of a group of contracts includes all future cash flows within the boundary of each contract in the group.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Cash flows are within the contract boundary: </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">For an insurance contract, if they arise from substantive rights and obligations that exist during the reporting period in which the Group can compel the policyholder to pay premiums or has a substantive obligation to provide insurance contract services </span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">For a participating investment contract, if they result from a substantive obligation of the Group to deliver cash at a present or future date</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A substantive obligation to provide insurance contract services ends when the Group has the practical ability to reassess the risks of the particular policyholder, and can set a price or level of benefits that fully reflects those reassessed risks; or the Group has the practical ability to reassess the risks of the portfolio that contains the contract and can set a price or level of benefits that fully reflects the risks of that portfolio, and the pricing of the premiums up to the reassessment date does not take into account risks that relate to periods after the reassessment date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For certain unitised With-Profits and unit-linked policies, a guaranteed minimum pension is payable at a vesting date. For certain conventional With-Profits pensions, policyholders have the option to convert to an annuity on guaranteed terms. There is no contract boundary at the vesting date of these policies; the pre and post vesting date phases are treated as a single insurance contract.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The contract boundary of each group is reassessed at the end of each reporting period.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Measurement</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The carrying amount of a group of insurance and participating investment contracts at each reporting date is the sum of the liability for remaining coverage (LRC) and the liability for incurred claims (LIC). The LRC comprises the fulfilment cash flows that relate to services that will be provided under the contracts in future periods and any remaining CSM at that date. The LIC includes the fulfilment cash flows for incurred claims and expenses that have not yet been paid, including claims that have been incurred but not yet reported. The fulfilment cash flows of groups of insurance and participating investment contracts are measured at the reporting date using current estimates of future cash flows, current discount rates and current estimates of the risk adjustment for non-financial risk. Changes in fulfilment cash flows are recognised as follows:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Changes related to future service are adjusted against the CSM unless the group is onerous in which case such changes are recognised in the insurance service result in profit or loss</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Changes related to past or current service are recognised in the insurance service result in profit or loss</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">The effects of the time value of money and financial risk are recognised as net finance income or expense from insurance, participating investment and reinsurance contracts in profit or loss</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The carrying amount of the CSM is remeasured at the end of each reporting period. For contracts measured under the GMM, interest is accreted on the carrying amount of the CSM using the discount rate curve determined at the date of initial recognition of the group of contracts. The CSM is also adjusted for the changes in fulfilment cash flows relating to future service at the locked-in discount rates determined at initial recognition, unless the increases in fulfilment cash flows cause a group of contracts to become onerous or decreases in fulfilment cash flows are allocated to the loss component of the liability for remaining coverage.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The majority of the Group’s With-Profits and unit-linked insurance and participating investment contracts are direct participating contracts under which the Group’s obligation to the policyholder is the payment of an amount equal to the fair value of the underlying items, less a variable fee. On subsequent remeasurement of a group of direct participating contracts (measured under VFA), changes to the fulfilment cash flows, discounted at current rates, reflecting changes in the obligation to pay the policyholder an amount equal to the fair value of the underlying items are recognised in the income statement, within net finance income or expense from insurance, participating investment and reinsurance contracts. The CSM is adjusted for changes in the amount of the Group’s share of the fair value of the underlying items, which relate to future services, except where such changes result in recognition or reversal of the loss component for onerous groups, or where the Group applies the risk mitigation option. For certain contracts with direct participation features, the Group mitigates financial risks using equity and currency hedges. The Group does not adjust the CSM for changes in the fulfilment cash flows and/or entity’s share of the underlying items that reflect some of the changes in the effect of time value of money and financial risk. These amounts are instead reflected in profit or loss. The CSM is also adjusted for those fulfilment cashflows that do not vary based on the returns on underlying items that relate to future service (including the effect of time value of money and financial risks not arising from underlying items, such as the impact of minimum return guarantees), except where such changes result in recognition or reversal of the loss component for onerous groups. Changes in fulfilment cash flows relating to future service adjust the CSM using current discount rates.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For contracts measured under the GMM or VFA at the end of each reporting period the appropriate proportion of the CSM is recognised in the income statement to reflect the amount of profit related to the insurance contract services provided in the period. This is calculated using coverage units, a measure used to determine the allocation of the CSM over the remaining coverage periods. The number of coverage units in a group is the quantity of insurance contract services provided by the contracts in the group, determined by considering for each contract the quantity of the benefits provided and its expected coverage period.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Derecognition</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group derecognises an insurance and participating investment contract when it is extinguished (that is, when the obligation specified in the contract expires or is discharged or cancelled) or if its terms are modified in a way that would have changed the accounting for the contract significantly had the new terms always existed.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">If a contract is derecognised, then the fulfilment cash flows of the group are adjusted to eliminate the present value of the future cash flows and risk adjustment of the contract derecognised from the group, and the CSM of the group is adjusted for the change in fulfilment cash flows, except where such changes are allocated to the loss component.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">If a contract is derecognised because its terms are modified, then the CSM of the existing group is also adjusted for the premium that would have been charged had the Group entered into a contract with the new contract’s terms at the date of modification, less any additional premium charged for the modification. A new modified contract is recognised assuming the Group received the premium that would have been charged had the Group entered into a contract with the new contract’s terms at the date of the modification.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where the adjustments to CSM result in the CSM being reduced to nil, any further adjustments are recognised in the income statement in insurance service expense.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) General insurance contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">General insurance contracts issued by the Group are presented on the balance sheet within liabilities arising from insurance and participating investment contracts. The Group applies the PAA to the measurement of general insurance contracts, which either have a coverage period of each contract in the group of one year or less or have an annual re-pricing option. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For a group of general insurance contracts that is not onerous at initial recognition, the Group measures the LRC as any premium received at initial recognition, less any insurance acquisition cash flows at that date, plus any other asset or liability previously recognised for cash flows related to the group of contracts that the Group pays or receives before the group of insurance contracts is recognised.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group estimates the LIC using the methodology described in the Measurement section for life insurance contracts above.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where, during the coverage period, facts and circumstances indicate that a group of insurance contracts is onerous, the Group recognises a loss in the income statement for the net outflow, resulting in the carrying amount of the liability for the group being equal to the fulfilment cash flows. A loss component is established by the Group within the LRC for such onerous group. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On subsequent measurement, the Group measures the carrying amount of the LRC at the end of each reporting period as the LRC at the beginning of the period plus premiums received in the period, less insurance acquisition cash flows, plus any amounts relating to the amortisation of the insurance acquisition cash flows recognised as an expense in the reporting period for the group, less the amount recognised as insurance revenue for the services provided in the period. For onerous groups, the LRC is also adjusted for the remeasurement of the loss component.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(3) Reinsurance</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Reinsurance contracts issued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Reinsurance contracts issued by the Group (where insurance risk is transferred to the Group) are accounted for under the GMM as insurance contracts. These contracts are presented within other assets or liabilities arising from insurance and participating investment contracts.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(ii) Reinsurance contracts held</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The classification of contracts entered into by the Group with reinsurers under which the Group is compensated for amounts payable on one or more other contracts issued by the Group is dependent on whether the contract with the reinsurer transfers significant insurance risk to the reinsurer. Where the reinsurance contract transfers significant insurance risk (reinsurance contracts held), it is accounted for under the GMM, as modified for reinsurance contracts held. The Group adjusts the CSM of the group to which a reinsurance contract held belongs and as a result recognises income, when it recognises a loss on initial recognition of onerous underlying contracts.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Contracts that do not transfer significant insurance risk to the reinsurer are recognised within financial assets at fair value through profit or loss as they are within a portfolio of financial assets that is managed, and whose performance is evaluated, on a fair value basis. These contracts, while legally reinsurance contracts, do not meet the definition of a reinsurance contract under IFRS. Investment returns (including movements in fair value and investment income) allocated to these contracts are recognised on the face of the income statement within net trading income.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(4) Non-participating investment contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s non-participating investment contracts are primarily unit-linked. These contracts are accounted for under IFRS 9 as financial liabilities whose value is contractually linked to the fair values of financial assets within the Group’s unitised investment funds. The value of the unit-linked financial liabilities is determined using current unit prices multiplied by the number of units attributed to the contract holders at the balance sheet date. Their value is never less than the amount payable on surrender, discounted for the required notice period where applicable. Investment returns (including movements in fair value and investment income) allocated to those contracts are recognised in the income statement through change in non-participating investment contracts.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deposits and withdrawals are not accounted for through the income statement but are accounted for directly in the balance sheet as adjustments to the non-participating investment contract liability.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group receives investment management fees in the form of an initial adjustment or charge to the amount invested. These fees are in respect of services rendered in conjunction with the issue and management of investment contracts where the Group actively manages the consideration received from its customers to fund a return that is based on the investment profile that the customer selected on origination of the contract. These services comprise an indeterminate number of acts over the lives of the individual contracts and, therefore, the Group defers these fees and recognises them over the estimated lives of the contracts, in line with the provision of investment management services.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Costs which are directly attributable and incremental to securing new non-participating investment contracts are deferred. This asset is subsequently amortised over the period of the provision of investment management services and its recoverability is reviewed in circumstances where its carrying amount may not be recoverable. If the asset is greater than its recoverable amount it is written down immediately through fee and commission expense in the income statement. All other costs are recognised as expenses when incurred.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(N) Insurance – IFRS 4</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As permitted by IFRS 17, the Group’s income statement for the year ended 31 December 2021 has been prepared under IFRS 4 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Insurance Contracts</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">. The balance sheets as at 31 December 2023, 31 December 2022 and the opening balance sheet for IFRS 17 transition as at 1 January 2022 are presented under IFRS 17 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Insurance Contracts</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Products sold by the life insurance business are classified into three categories: insurance contracts, participating investment contracts and non-participating investment contracts.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For certain investment contracts, the contract can be partly invested in units which contain a discretionary participation feature (DPF) and partly in units without. Where switching levels for similar contracts are deemed to be significant, new investment contracts which contain an option to switch into investment contracts with DPF have been classified as participating investment contracts. Where the switching levels are not deemed to be significant, a new contract is split, with units containing a DPF being allocated as a participating investment contract and the units without a DPF as a non-participating investment contract. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The general insurance business issues only insurance contracts.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Life insurance business</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Accounting for insurance and participating investment contracts</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Premiums and claims</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Premiums received in respect of insurance and participating investment contracts are recognised as revenue when due except for unit-linked contracts on which premiums are recognised as revenue when received. Claims are recorded as an expense on the earlier of the maturity date or the date on which the claim is notified.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Liabilities</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Changes in the value of liabilities are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Insurance and participating investment contracts in the Group’s with-profit funds: liabilities of the Group’s with-profit funds, including guarantees and options embedded within products written by these funds, are stated at their realistic values in accordance with the Prudential Regulation Authority’s realistic capital regime, except that projected transfers out of the funds into other Group funds are recorded in the unallocated surplus (see below)</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Insurance contracts which are not unit-linked or in the Group’s with-profit funds: a liability for contractual benefits that are expected to be incurred in the future is recorded when the premiums are recognised. The liability is calculated by estimating the future cash flows over the duration of in-force policies and discounting them back to the valuation date allowing for probabilities of occurrence. The liability will vary with movements in interest rates and with the cost of life insurance and annuity benefits where future mortality is uncertain</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Assumptions are made in respect of all material factors affecting future cash flows, including future interest rates, mortality and costs.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Insurance and participating investment contracts which are unit-linked; Liabilities for unit-linked insurance and participating investment contracts are stated at the bid value of units plus an additional allowance where appropriate (such as for any excess of future expenses over charges). The liability is increased or reduced by the change in the unit prices and is reduced by policy administration fees, mortality and surrender charges and any withdrawals. Benefit claims in excess of the account balances incurred in the period are also charged through insurance claims and changes in insurance and investment contract liabilities. Revenue consists of fees deducted for mortality, policy administration and surrender charges</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Unallocated surplus</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Any amounts in the with-profit funds not yet determined as being due to policyholders or shareholders are recognised as an unallocated surplus which is shown separately from liabilities arising from insurance and participating investment contracts.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(ii) Accounting for non-participating investment contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The accounting policy is consistent with M(4) above, except that investment returns (including movements in fair value and investment income) allocated to those contracts are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) General insurance business</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group both underwrites and acts as intermediary in the sale of general insurance products. Underwriting premiums are included in insurance premium income, net of refunds, in the period in which insurance cover is provided to the customer; premiums received relating to future periods are deferred in the balance sheet within liabilities arising from insurance and participating investment contracts on a basis that reflects the length of time for which contracts have been in-force and the projected incidence of risk over the term of the contract and only credited to the income statement when earned. Broking commission is recognised when the underwriter accepts the risk of providing insurance cover to the customer. Where appropriate, provision is made for the effect of future policy terminations based upon past experience.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The underwriting business makes provision for the estimated cost of claims notified but not settled and claims incurred but not reported at the balance sheet date. The provision for the cost of claims notified but not settled is based upon a best estimate of the cost of settling the outstanding claims after taking into account all known facts. In those cases where there is insufficient information to determine the required provision, statistical techniques are used which take into account the cost of claims that have recently been settled and make assumptions about the future development of the outstanding cases. Similar statistical techniques are used to determine the provision for claims incurred but not reported at the balance sheet date. Claims liabilities are not discounted.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(3) Liability adequacy test</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At each balance sheet date liability adequacy tests are performed to ensure the adequacy of insurance and participating investment contract liabilities net of related deferred cost assets and value of in-force business. In performing these tests, current best estimates of discounted future contractual cash flows and claims handling and policy administration expenses, as well as investment income from the assets backing such liabilities, are used. Any deficiency is immediately charged to the income statement, initially by writing off the relevant assets and subsequently by establishing a provision for losses arising from liability adequacy tests.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(4) Reinsurance</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The presentation of contracts entered into by the Group with reinsurers under which the Group is compensated for amounts payable on one or more other contracts issued by the Group is dependent on whether the contract with the reinsurer transfers significant insurance risk to the reinsurer. Where the reinsurance contract transfers significant insurance risk, it is classified as an insurance contract and the asset is recognised separately on the balance sheet. Where the reinsurance contract does not transfer significant insurance risk to the reinsurer, the assets arising from contracts held with reinsurers are presented within financial assets at fair value through profit or loss.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Contracts with reinsurers that transfer significant insurance risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Amounts recoverable from or due to reinsurers are measured consistently with the amounts associated with the reinsured contracts and in accordance with the terms of each reinsurance contract and are regularly reviewed for impairment. Premiums payable for reinsurance contracts are recognised as an expense when due within insurance premium income. Changes in the reinsurance recoverable assets are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(ii) Contracts with reinsurers that do not transfer significant insurance risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Contracts that do not transfer significant insurance risk to the reinsurer are recognised within financial assets at fair value through profit or loss as they are within a portfolio of financial assets that is managed, and whose performance is evaluated, on a fair value basis. These contracts, while legally reinsurance contracts, do not meet the definition of a reinsurance contract under IFRS. Investment returns (including movements in fair value and investment income) allocated to these contracts are recognised in insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(O) Foreign currency translation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Items included in the financial statements of each of the Group’s entities are measured using the currency of the primary economic environment in which the entity operates (the functional currency). Foreign currency transactions are translated into the appropriate functional currency using the exchange rates prevailing at the dates of the transactions. Foreign exchange gains and losses resulting from the settlement of such transactions and from the translation at year end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in the income statement, except when recognised in other comprehensive income as qualifying cash flow or net investment hedges. Non-monetary assets that are measured at fair value are translated using the exchange rate at the date that the fair value was determined. Translation differences on equities and similar non-monetary items held at fair value through profit and loss are recognised in profit or loss as part of the fair value gain or loss. Translation differences on non-monetary financial assets measured at fair value through other comprehensive income, such as equity shares, are included in the fair value reserve in equity unless the asset is a hedged item in a fair value hedge.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The results and financial position of all Group entities that have a functional currency different from the presentation currency are translated into the presentation currency as follows: the assets and liabilities of foreign operations, including goodwill and fair value adjustments arising on the acquisition of a foreign entity, are translated into Sterling at foreign exchange rates ruling at the balance sheet date; and the income and expenses of foreign operations are translated into Sterling at average exchange rates unless these do not approximate to the foreign exchange rates ruling at the dates of the transactions, in which case income and expenses are translated at the dates of the transactions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Foreign exchange differences arising on the translation of a foreign operation are recognised in other comprehensive income and accumulated in a separate component of equity together with exchange differences arising from the translation of borrowings and other currency instruments designated as hedges of such investments (see (F)(3) above). On disposal or liquidation of a foreign operation, the cumulative amount of exchange differences relating to that foreign operation is reclassified from equity and included in determining the profit or loss arising on disposal or liquidation.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(P) Provisions and contingent liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Provisions are recognised in respect of present obligations arising from past events where it is probable that outflows of resources will be required to settle the obligations and they can be reliably estimated.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Contingent liabilities are possible obligations whose existence depends on the outcome of uncertain future events or those present obligations where the outflows of resources are uncertain or cannot be measured reliably. Contingent liabilities are not recognised in the financial statements but are disclosed unless they are remote.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Provision is made for expected credit losses in respect of irrevocable undrawn loan commitments and financial guarantee contracts (see (H) above).</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(Q) Share capital</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Incremental costs directly attributable to the issue of new shares or options or to the acquisition of a business are shown in equity as a deduction, net of tax, from the proceeds. Dividends paid on the Group’s ordinary shares are recognised as a reduction in equity in the period in which they are paid.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where the Company or any member of the Group purchases the Company’s share capital, the consideration paid is deducted from shareholders’ equity as treasury shares until they are cancelled; if these shares are subsequently sold or reissued, any consideration received is included in shareholders’ equity.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(R) Cash and cash equivalents</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the purposes of the cash flow statement, cash and cash equivalents comprise cash and non-mandatory deposits held with central banks, mandatory deposits held with central banks in demand accounts and amounts due from banks with an original maturity of less than three months that are available to finance the Group’s day-to-day operations.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Goodwill Explanatory DescriptionOfAccountingPolicyForGoodwillExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Goodwill arises on business combinations and represents the excess of the cost of an acquisition over the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities acquired. Where the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities of the acquired entity is greater than the cost of acquisition, the excess is recognised immediately in the income statement.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Goodwill is recognised as an asset at cost and is tested at least annually for impairment. For impairment testing, goodwill is allocated to the cash-generating unit (CGU) or groups of CGUs that are expected to benefit from the business combination. The Group’s CGUs are largely product based for its Retail and Insurance businesses and client based for its Commercial Banking business. An impairment loss is recognised if the carrying amount of a CGU is determined to be greater than its recoverable amount. The recoverable amount of a CGU is the higher of its fair value less costs to sell and its value in use. If an impairment is identified the carrying value of the goodwill is written down immediately through the income statement and this is not subsequently reversed. At the date of disposal of a subsidiary, the carrying value of attributable goodwill is included in the calculation of the profit or loss on disposal.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Intangible Assets Other Than Goodwill Explanatory DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Intangible assets which have been determined to have a finite useful life are amortised on a straight-line basis over their estimated useful life as follows: up to seven years for capitalised software; 10 to 15 years for brands and other intangible assets.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Intangible assets with finite useful lives are reviewed at each reporting date to assess whether there is any indication that they are impaired. If any such indication exists the recoverable amount of the asset is determined and in the event that the asset’s carrying amount is greater than its recoverable amount, it is written down immediately. Certain brands have been determined to have an indefinite useful life and are not amortised. Such intangible assets are assessed annually to determine whether the asset is impaired and to reconfirm that an indefinite useful life remains appropriate. In the event that an indefinite life is inappropriate, a finite life is determined and a further impairment review is performed on the asset.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Recognition Of Revenue DescriptionOfAccountingPolicyForRecognitionOfRevenue	<div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Net interest income</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Interest income and expense are recognised in the income statement using the effective interest method for all interest-bearing financial instruments, except for those classified at fair value through profit or loss. The effective interest method is a method of calculating the amortised cost of a financial asset or liability and of allocating the interest income or interest expense over the expected life of the financial instrument. The effective interest rate is the rate that exactly discounts the estimated future cash payments or receipts over the expected life of the financial instrument to the gross carrying amount of the financial asset (before adjusting for expected credit losses) or to the amortised cost of the financial liability, including early redemption fees, other fees, and premiums and discounts that are an integral part of the overall return. In the case of financial assets that are purchased or originated credit-impaired, the effective interest rate is the rate that discounts the estimated future cash flows to the amortised cost of the instrument. Direct incremental transaction costs related to the acquisition, issue or disposal of a financial instrument are also taken into account. Interest income from non-credit-impaired financial assets is recognised by applying the effective interest rate to the gross carrying amount of the asset; for credit-impaired financial assets, the effective interest rate is applied to the net carrying amount after deducting the allowance for expected credit losses. Impairment policies are set out in (H) below.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) Fee and commission income and expense</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Fees and commissions receivable which are not an integral part of the effective interest rate are recognised as income as the Group fulfils its performance obligations. The Group’s principal performance obligations arising from contracts with customers are in respect of value added current accounts, credit cards and debit cards. These fees are received, and the Group provides the service, monthly; the fees are recognised in income on this basis. The Group also receives certain fees in respect of its asset finance business where the performance obligations are typically fulfilled towards the end of the customer contract; these fees are recognised in income on this basis. Where it is unlikely that the loan commitments will be drawn, loan commitment fees are recognised in fee and commission income over the life of the facility, rather than as an adjustment to the effective interest rate for the lending expected to be drawn. Incremental costs incurred to generate fee and commission income are charged to fee and commission expense as they are incurred.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(3) Other</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Dividend income is recognised when the right to receive payment is established.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Revenue recognition policies specific to trading income are set out in (E)(3) below; those relating to life insurance and general insurance business are detailed below (see (M) and (N) below); and those relating to leases are set out in (J)(1) below.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Derivative Financial Instruments And Hedging Explanatory DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As permitted by IFRS 9, the Group continues to apply the requirements of IAS 39 to its hedging relationships. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Changes in the fair value of all derivative instruments, other than those in effective cash flow and net investment hedging relationships, are recognised immediately in the income statement. As noted in (2) and (3) below, the change in fair value of a derivative in an effective cash flow or net investment hedging relationship is allocated between the income statement and other comprehensive income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Hedge accounting allows one financial instrument, generally a derivative such as a swap, to be designated as a hedge of another financial instrument such as a loan or deposit or a portfolio of such instruments. At the inception of the hedge relationship, formal documentation is drawn up specifying the hedging strategy, the hedged item, the hedging instrument and the methodology that will be used to measure the effectiveness of the hedge relationship in offsetting changes in the fair value or cash flow of the hedged risk. The effectiveness of the hedging relationship is tested both at inception and throughout its life and if at any point it is concluded that it is no longer highly effective in achieving its documented objective, hedge accounting is discontinued. Note 22 provides details of the types of derivatives held by the Group and presents separately those designated in hedge relationships. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where there is uncertainty arising from interest rate benchmark reform, the Group assumes that the interest rate benchmark on which the hedged cash flows and/or the hedged risk are based, or the interest rate benchmark on which the cash flows of the hedging instrument are based, are not altered as a result of interest rate benchmark reform. The Group does not discontinue a hedging relationship during the period of uncertainty arising from the interest rate benchmark reform solely because the actual results of the hedge are not highly effective.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where the contractual terms of a financial asset, financial liability or derivative are amended, on an economically equivalent basis, as a direct consequence of interest rate benchmark reform, the uncertainty arising from the reform is no longer present. In these circumstances, the Group amends the hedge documentation to reflect the changes required by the reform; these changes to the documentation do not in and of themselves result in the discontinuation of hedge accounting or require the designation of a new hedge relationship.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Fair value hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Changes in the fair value of derivatives that are designated and qualify as fair value hedges are recorded in the income statement, together with the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk; this also applies if the hedged asset is classified as a financial asset at fair value through other comprehensive income. If the hedge no longer meets the criteria for hedge accounting, changes in the fair value of the hedged item attributable to the hedged risk are no longer recognised in the income statement. The cumulative adjustment that has been made to the carrying amount of the hedged item is amortised to the income statement using the effective interest method over the period to maturity.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) Cash flow hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The effective portion of changes in the fair value of derivatives that are designated and qualify as cash flow hedges is recognised in other comprehensive income in the cash flow hedging reserve. The gain or loss relating to the ineffective portion is recognised immediately in the income statement. Amounts accumulated in equity are reclassified to the income statement in the periods in which the hedged item affects profit or loss. When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss existing in equity at that time remains in equity and is recognised in the income statement when the forecast transaction is ultimately recognised in the income statement. When a forecast transaction is no longer expected to occur, the cumulative gain or loss that was reported in equity is immediately transferred to the income statement.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(3) Net investment hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Hedges of net investments in foreign operations are accounted for similarly to cash flow hedges. Any gain or loss on the hedging instrument relating to the effective portion of the hedge is recognised in other comprehensive income, and the gain or loss relating to the ineffective portion is recognised immediately in the income statement. Gains and losses accumulated in equity are included in the income statement when the foreign operation is disposed of. The hedging instruments used in net investment hedges may include non-derivative liabilities as well as derivative financial instruments.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Offsetting Of Financial Instruments Explanatory DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is a legally enforceable right of offset and there is an intention to settle on a net basis, or realise the asset and settle the liability simultaneously. Cash collateral on exchange traded derivative transactions is presented gross unless the collateral cash flows are always settled net with the derivative cash flows. In certain situations, even though master netting agreements exist, the lack of management intention to settle on a net basis results in the financial assets and liabilities being reported gross on the balance sheet.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Impairment Of Financial Assets Explanatory DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The impairment charge in the income statement reflects the change in expected credit losses, including those arising from fraud. Expected credit losses are recognised for loans and advances to customers and banks, other financial assets held at amortised cost, financial assets (other than equity investments) measured at fair value through other comprehensive income, and certain loan commitments and financial guarantee contracts. Expected credit losses are calculated as an unbiased and probability-weighted estimate using an appropriate probability of default, adjusted to take into account a range of possible future economic scenarios, and applying this to the estimated exposure of the Group at the point of default after taking into account the value of any collateral held, repayments, or other mitigants of loss and including the impact of discounting using the effective interest rate.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At initial recognition, allowance (or provision in the case of some loan commitments and financial guarantees) is made for expected credit losses resulting from default events that are possible within the next 12 months (12-month expected credit losses). In the event of a significant increase in credit risk since origination, allowance (or provision) is made for expected credit losses resulting from all possible default events over the expected life of the financial instrument (lifetime expected credit losses). Financial assets where 12-month expected credit losses are recognised are considered to be Stage 1; financial assets which are considered to have experienced a significant increase in credit risk since initial recognition are in Stage 2; and financial assets which have defaulted or are otherwise considered to be credit-impaired are allocated to Stage 3. Some Stage 3 assets, mainly in Commercial Banking, are subject to individual rather than collective assessment. Such cases are subject to a risk-based impairment sanctioning process, and these are reviewed and updated at least quarterly, or more frequently if there is a significant change in the credit profile. The collective assessment of impairment aggregates financial instruments with similar risk characteristics, such as whether the facility is revolving in nature or secured and the type of security held against financial assets.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">An assessment of whether credit risk has increased significantly since initial recognition considers the change in the risk of default occurring over the remaining expected life of the financial instrument. In determining whether there has been a significant increase in credit risk, the Group uses quantitative tests based on relative and absolute probability of default (PD) movements linked to internal credit ratings together with qualitative indicators such as watchlists and other indicators of historical delinquency, credit weakness or financial difficulty. The use of internal credit ratings and qualitative indicators ensures alignment between the assessment of staging and the Group’s management of credit risk which utilises these internal metrics within distinct retail and commercial portfolio risk management practices. However, unless identified at an earlier stage, the credit risk of financial assets is deemed to have increased significantly when more than 30 days past due. The use of a payment holiday in and of itself has not been judged to indicate a significant increase in credit risk, with the underlying long-term credit risk deemed to be driven by economic conditions and captured through the use of forward-looking models. These portfolio-level models are capturing the anticipated volume of increased defaults and therefore an appropriate assessment of staging and expected credit loss. Where the credit risk subsequently improves such that it no longer represents a significant increase in credit risk since initial recognition, the asset is transferred back to Stage 1.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Assets are transferred to Stage 3 when they have defaulted or are otherwise considered to be credit-impaired. Default is considered to have occurred when there is evidence that the customer is experiencing financial difficulty which is likely to affect significantly the ability to repay the amount due. IFRS 9 contains a rebuttable presumption that default occurs no later than when a payment is 90 days past due which the Group now uses for all its products following changes to the definition of default for UK mortgages on 1 January 2022. In addition, other indicators of mortgage default are added including end-of-term payments on past due interest-only accounts and loans considered non-performing due to recent arrears or forbearance. The use of payment holidays is not considered to be an automatic trigger of regulatory default and therefore does not automatically trigger Stage 3. Days past due will also not accumulate on any accounts that have taken a payment holiday including those already past due.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In certain circumstances, the Group will renegotiate the original terms of a customer’s loan, either as part of an ongoing customer relationship or in response to adverse changes in the circumstances of the borrower. In the latter circumstances, the loan will remain classified as either Stage 2 or Stage 3 until the credit risk has improved such that it no longer represents a significant increase since origination (for a return to Stage 1), or the loan is no longer credit-impaired (for a return to Stage 2). On renegotiation the gross carrying amount of the loan is recalculated as the present value of the renegotiated or modified contractual cash flows, which are discounted at the original effective interest rate. Renegotiation may also lead to the loan and associated allowance being derecognised and a new loan being recognised initially at fair value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Purchased or originated credit-impaired financial assets (POCI) include financial assets that are purchased or originated at a deep discount that reflects incurred credit losses. At initial recognition, POCI assets do not carry an impairment allowance; instead, lifetime expected credit losses are incorporated into the calculation of the effective interest rate. All changes in lifetime expected credit losses subsequent to the assets’ initial recognition are recognised as an impairment charge.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A loan or advance is normally written off, either partially or in full, against the related allowance when the proceeds from realising any available security have been received or there is no realistic prospect of recovery and the amount of the loss has been determined. Subsequent recoveries of amounts previously written off decrease the amount of impairment losses recorded in the income statement. For both secured and unsecured retail balances, the write-off takes place only once an extensive set of collections processes has been completed, or the status of the account reaches a point where policy dictates that continuing attempts to recover are no longer appropriate. For commercial lending, a write-off occurs if the loan facility with the customer is restructured, the asset is under administration and the only monies that can be received are the amounts estimated by the administrator, the underlying assets are disposed and a decision is made that no further settlement monies will be received, or external evidence (for example, third party valuations) is available that there has been an irreversible decline in expected cash flows.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Property Plant And Equipment Explanatory DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Property, plant and equipment (other than investment property) is included at cost less accumulated depreciation. The value of land (included in premises) is not depreciated. Depreciation on other assets is calculated using the straight-line method to allocate the difference between the cost and the residual value over their estimated useful lives, as follows: the shorter of 50 years and the remaining period of the lease for freehold/long and short leasehold premises; the shorter of 10 years and, if lease renewal is not likely, the remaining period of the lease for leasehold improvements; 10 to 20 years for fixtures and furnishings; and 2 to 8 years for other equipment and motor vehicles.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The assets’ residual values and useful lives are reviewed and, if appropriate, revised at each balance sheet date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable. In assessing the recoverable amount of assets the Group considers the effects of potential or actual changes in legislation, customer behaviour, climate-related risks and other factors on the asset’s CGU. In the event that an asset’s CGU carrying amount is determined to be greater than its recoverable amount the asset is written down immediately.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Investment property comprises freehold and long leasehold land and buildings that are held either to earn rental income or for capital accretion or both, primarily within the life insurance funds. In accordance with the guidance published by the Royal Institution of Chartered Surveyors, investment property is carried at fair value based on current prices for similar properties, adjusted for the specific characteristics of the property (such as location or condition). If this information is not available, the Group uses alternative valuation methods such as discounted cash flow projections or recent prices in less active markets. These valuations are reviewed at least annually by independent professionally qualified valuers. Investment property being redeveloped for continuing use as investment property, or for which the market has become less active, continues to be valued at fair value.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Leases Explanatory DescriptionOfAccountingPolicyForLeasesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Under IFRS 16, a lessor is required to determine whether a lease is a finance or operating lease. A lessee is not required to make this determination.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) As lessor</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Assets leased to customers are classified as finance leases if the lease agreements transfer substantially all of the risks and rewards of ownership to the lessee but not necessarily legal title. All other leases are classified as operating leases. When assets are subject to finance leases, the present value of the lease payments, together with any unguaranteed residual value, is recognised as a receivable, net of allowances for expected credit losses and residual value impairment, within loans and advances to banks and customers. The difference between the gross receivable and the present value of the receivable is recognised as unearned finance lease income. Finance lease income is recognised in interest income over the term of the lease using the net investment method (before tax) so as to give a constant rate of return on the net investment in the lease. Unguaranteed residual values are reviewed regularly to identify any impairment.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Operating lease assets are included within other assets at cost and depreciated over their estimated useful lives. The depreciation charge is based on the asset’s residual value and the life of the lease. Operating lease rental income is recognised on a straight-line basis over the life of the lease.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group evaluates non-lease arrangements such as outsourcing and similar contracts to determine if they contain a lease which is then accounted for separately.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) As lessee</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Leases are recognised as a right-of-use asset and a corresponding liability at the date at which the leased asset is available for use by the Group. Assets and liabilities arising from a lease are initially measured on a present value basis. The lease payments are discounted using the interest rate implicit in the lease, if that rate can be determined, or the Group’s incremental borrowing rate appropriate for the right-of-use asset arising from the lease, and the liability recognised within other liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Lease payments are allocated between the liability and finance cost. The finance cost is charged to profit or loss over the lease period so as to produce a constant periodic rate of interest on the remaining balance of the liability for each period. The right-of-use asset is depreciated over the shorter of the asset’s useful life and the lease term on a straight-line basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Payments associated with short-term leases and leases of low-value assets are recognised on a straight-line basis as an expense in profit or loss. Short-term leases are leases with a lease term of 12 months or less. Low-value assets comprise IT equipment and small items of office furniture.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Employee Benefits Explanatory DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Short-term employee benefits, such as salaries, paid absences, performance-based cash awards and social security costs, are recognised over the period in which the employees provide the related services.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Pension schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group operates a number of post-retirement benefit schemes for its employees including both defined benefit and defined contribution pension plans. A defined benefit scheme is a pension plan that defines an amount of pension benefit that an employee will receive on retirement, dependent on one or more factors such as age, years of pensionable service and pensionable salary. A defined contribution plan is a pension plan into which the Group pays fixed contributions; there is no legal or constructive obligation to pay further contributions.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Defined benefit schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Scheme assets are included at their fair value and scheme liabilities are measured on an actuarial basis using the projected unit credit method. The defined benefit scheme liabilities are discounted using rates equivalent to the market yields at the balance sheet date on high quality corporate bonds that are denominated in the currency in which the benefits will be paid, and that have terms to maturity approximating to the terms of the related pension liability. The Group’s income statement charge includes the current service cost of providing pension benefits, past service costs, net interest expense (income), and plan administration costs that are not deducted from the return on plan assets. Past service costs, which represents the change in the present value of the defined benefit obligation resulting from a plan amendment or curtailment, are recognised when the plan amendment or curtailment occurs. Net interest expense (income) is calculated by applying the discount rate at the beginning of the period to the net defined benefit liability or asset.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Remeasurements, comprising actuarial gains and losses, the return on plan assets (excluding amounts included in net interest expense (income) and net of the cost of managing the plan assets), and the effect of changes to the asset ceiling (if applicable) are reflected immediately in the balance sheet with a charge or credit recognised in other comprehensive income in the period in which they occur. Remeasurements recognised in other comprehensive income are reflected immediately in retained profits and will not subsequently be reclassified to profit or loss.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s balance sheet includes the net surplus or deficit, being the difference between the fair value of scheme assets and the discounted value of scheme liabilities at the balance sheet date. Surpluses are only recognised to the extent that they are recoverable through reduced contributions in the future or through refunds from the schemes. In assessing whether a surplus is recoverable, the Group considers (i) its current right to obtain a refund or a reduction in future contributions and (ii) the rights of other parties existing at the balance sheet date. In determining the rights of third parties existing at the balance sheet date, the Group does not anticipate any future acts by other parties. </span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(ii) Defined contribution schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The costs of the Group’s defined contribution plans are charged to the income statement in the period in which they fall due.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) Share-based compensation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group operates a number of equity-settled, share-based compensation plans in respect of services received from certain of its employees. The value of the employee services received in exchange for equity instruments granted under these plans is recognised as an expense over the vesting period of the instruments, with a corresponding increase in equity. This expense is determined by reference to the fair value of the number of equity instruments that are expected to vest. The fair value of equity instruments granted is based on market prices, if available, at the date of grant. In the absence of market prices, the fair value of the instruments at the date of grant is estimated using an appropriate valuation technique, such as a Black-Scholes option pricing model or a Monte Carlo simulation. The determination of fair values excludes the impact of any non-market vesting conditions, which are included in the assumptions used to estimate the number of options that are expected to vest. At each balance sheet date, this estimate is reassessed and if necessary revised. Any revision of the original estimate is recognised in the income statement, together with a corresponding adjustment to equity. Cancellations by employees of contributions to the Group’s Save As You Earn plans are treated as non-vesting conditions and the Group recognises, in the year of cancellation, the amount of the expense that would have otherwise been recognised over the remainder of the vesting period. Modifications are assessed at the date of modification and any incremental charges are charged to the income statement.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Income Tax Explanatory DescriptionOfAccountingPolicyForIncomeTaxExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Tax expense comprises current and deferred tax. Current and deferred tax are charged or credited in the income statement except to the extent that the tax arises from a transaction or event which is recognised, in the same or a different period, outside the income statement (either in other comprehensive income, directly in equity, or through a business combination), in which case the tax appears in the same statement as the transaction that gave rise to it. The tax consequences of the Group’s dividend payments (including distributions on other equity instruments), if any, are charged or credited to the statement in which the profit distributed originally arose.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Current tax is the amount of corporate income taxes expected to be payable or recoverable based on the profit for the period as adjusted for items that are not taxable or not deductible, and is calculated using tax rates and laws that were enacted or substantively enacted at the balance sheet date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Current tax includes amounts provided in respect of uncertain tax positions when management expects that, upon examination of the uncertainty by His Majesty’s Revenue and Customs (HMRC) or other relevant tax authority, it is more likely than not that an economic outflow will occur. Provisions reflect management’s best estimate of the ultimate liability based on their interpretation of tax law, precedent and guidance, informed by external tax advice as necessary. Changes in facts and circumstances underlying these provisions are reassessed at each balance sheet date, and the provisions are remeasured as required to reflect current information.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the Group’s long-term insurance businesses, the tax expense is analysed between tax that is payable in respect of policyholders’ returns and tax that is payable on the shareholders’ returns. This allocation is based on an assessment of the rates of tax which will be applied to the returns under the current UK tax rules.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deferred tax is recognised on temporary differences arising between the tax bases of assets and liabilities and their carrying amounts in the balance sheet. Deferred tax is calculated using tax rates and laws that have been enacted or substantively enacted at the balance sheet date, and which are expected to apply when the related deferred tax asset is realised or the deferred tax liability is settled.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deferred tax liabilities are generally recognised for all taxable temporary differences but not recognised for taxable temporary differences arising on investments in subsidiaries where the reversal of the temporary difference can be controlled and it is probable that the difference will not reverse in the foreseeable future. Deferred tax liabilities are not recognised on temporary differences that arise from goodwill which is not deductible for tax purposes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deferred tax assets are recognised to the extent it is probable that taxable profits will be available against which the deductible temporary differences can be utilised, and are reviewed at each balance sheet date and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deferred tax assets and liabilities are not recognised in respect of temporary differences that arise on initial recognition of assets and liabilities acquired other than in a business combination. Deferred tax is not discounted.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Insurance Contracts DescriptionOfAccountingPolicyForInsuranceContracts	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group undertakes both life insurance and general insurance business. Insurance and participating investment contracts, and reinsurance contracts issued and held, are accounted for under IFRS 17 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Insurance Contracts</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Products sold by the life insurance business are classified into three categories:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Insurance contracts are contracts that transfer significant insurance risk and may also transfer financial risk. The Group defines significant insurance risk as the possibility of having to pay benefits on the occurrence of an insured event which are significantly higher than the benefits payable if the insured event were not to occur. Once a contract has been classified as an insurance contract, it remains an insurance contract until all obligations are extinguished unless that contract is derecognised due to a contract modification. These contracts are classified as either direct participating contracts or contracts without direct participation features. Contracts without direct participation features are accounted for using the general measurement model (GMM) for life contracts or the premium allocation approach (PAA) for general insurance contracts. Direct participating contracts are contracts for which, at inception, the contractual terms specify the policyholders participate in a clearly identified pool of underlying items. Under the terms of these contracts the policyholders are entitled to a substantial share of the returns and change in fair value of the underlying items. These contracts are accounted for under the variable fee approach (VFA)</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Participating investment contracts are investment contracts that contain a discretionary participation feature (DPF). They do not transfer significant insurance risk, but contain a contractual right to receive, as a supplement to an amount not subject to the discretion of the Group, additional amounts that are expected to be a significant portion of the total contractual benefits. The timing or amount of these additional amounts are at the discretion of the Group and are contractually based on the returns on a specified pool of contracts or type of contract, returns on a specified pool of assets held by the Group or profit or loss of a fund</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">For certain insurance and investment contracts, the contract can be partly invested in units which contain a DPF and partly in units without. In these circumstances, where the contract also contains features that transfer significant insurance risk, they are classified as insurance contracts. Where this is not the case, and the discretionary cash flows are expected to be a significant portion of the total contractual benefits, they are classified as participating investment contracts. Where the discretionary cash flows are not expected to be a significant portion of the total contractual benefits, they are classified as financial instruments. An investment component is defined as the amount that an insurance contract requires the entity to repay to a policyholder in all circumstances, regardless of whether an insured event occurs. The investment component of the insurance and participating investment contract is non-distinct and is not separated. The Group applies judgement to determine the investment component for each contract considering the extent to which insurance and investment components are highly interrelated or not applying factors such as: whether the policyholder is able to benefit from one component unless the other component is present; and whether the value of the investment component is dependent on the timing of the insured event. The value of the non-distinct investment component is determined on the following bases: for immediate annuities, full claim amount when within the guaranteed period; for unit-linked and With-Profits contracts, policyholder’s account value</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The general insurance business issues only insurance contracts.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Life insurance business</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Accounting for insurance and participating investment contracts</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Recognition</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group aggregates insurance and participating investment contracts into portfolios of contracts subject to similar risks and managed together. Each portfolio of insurance contracts is divided into annual cohorts (by year of issue). Annual cohorts are divided into groups of insurance and participating investment contracts based on profitability expectations at initial recognition. The directly attributable costs of selling, underwriting and starting a group of insurance and participating investment contracts are allocated to the group of insurance and participating investment contracts using a systematic and rational method.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On initial recognition, a group of insurance and participating investment contracts is measured as the total of the fulfilment cash flows and the contractual service margin (CSM). The measurement includes all future cash flows that are within the contract boundary of each contract in the group. The fulfilment cash flows comprise unbiased and probability-weighted estimates of future cash flows, discounted to present value to reflect the time value of money and financial risks, plus an explicit risk adjustment for non-financial risk. The discount rate applied reflects the time value of money, the characteristics of the cash flows, the liquidity characteristics of the insurance and participating investment contracts and, where appropriate, is consistent with observable current market prices. The risk adjustment for non-financial risk for a group of insurance and participating investment contracts is the compensation required for bearing the uncertainty about the amount and timing of the cash flows that arises from non-financial risk. Diversification benefit is calculated based on Group level diversification of risks. To determine the risk adjustments for non-financial risk for reinsurance contracts, the Group applies these techniques both gross and net of excess of loss reinsurance and derives the amount of risk being transferred to the reinsurer as the difference between the two results. The CSM of a group of insurance and participating investment contracts represents the unearned profit that the Group expects to recognise as it provides insurance contract services under those contracts in the future.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Contract boundaries</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The measurement of a group of contracts includes all future cash flows within the boundary of each contract in the group.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Cash flows are within the contract boundary: </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">For an insurance contract, if they arise from substantive rights and obligations that exist during the reporting period in which the Group can compel the policyholder to pay premiums or has a substantive obligation to provide insurance contract services </span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">For a participating investment contract, if they result from a substantive obligation of the Group to deliver cash at a present or future date</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A substantive obligation to provide insurance contract services ends when the Group has the practical ability to reassess the risks of the particular policyholder, and can set a price or level of benefits that fully reflects those reassessed risks; or the Group has the practical ability to reassess the risks of the portfolio that contains the contract and can set a price or level of benefits that fully reflects the risks of that portfolio, and the pricing of the premiums up to the reassessment date does not take into account risks that relate to periods after the reassessment date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For certain unitised With-Profits and unit-linked policies, a guaranteed minimum pension is payable at a vesting date. For certain conventional With-Profits pensions, policyholders have the option to convert to an annuity on guaranteed terms. There is no contract boundary at the vesting date of these policies; the pre and post vesting date phases are treated as a single insurance contract.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The contract boundary of each group is reassessed at the end of each reporting period.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Measurement</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The carrying amount of a group of insurance and participating investment contracts at each reporting date is the sum of the liability for remaining coverage (LRC) and the liability for incurred claims (LIC). The LRC comprises the fulfilment cash flows that relate to services that will be provided under the contracts in future periods and any remaining CSM at that date. The LIC includes the fulfilment cash flows for incurred claims and expenses that have not yet been paid, including claims that have been incurred but not yet reported. The fulfilment cash flows of groups of insurance and participating investment contracts are measured at the reporting date using current estimates of future cash flows, current discount rates and current estimates of the risk adjustment for non-financial risk. Changes in fulfilment cash flows are recognised as follows:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Changes related to future service are adjusted against the CSM unless the group is onerous in which case such changes are recognised in the insurance service result in profit or loss</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Changes related to past or current service are recognised in the insurance service result in profit or loss</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">The effects of the time value of money and financial risk are recognised as net finance income or expense from insurance, participating investment and reinsurance contracts in profit or loss</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The carrying amount of the CSM is remeasured at the end of each reporting period. For contracts measured under the GMM, interest is accreted on the carrying amount of the CSM using the discount rate curve determined at the date of initial recognition of the group of contracts. The CSM is also adjusted for the changes in fulfilment cash flows relating to future service at the locked-in discount rates determined at initial recognition, unless the increases in fulfilment cash flows cause a group of contracts to become onerous or decreases in fulfilment cash flows are allocated to the loss component of the liability for remaining coverage.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The majority of the Group’s With-Profits and unit-linked insurance and participating investment contracts are direct participating contracts under which the Group’s obligation to the policyholder is the payment of an amount equal to the fair value of the underlying items, less a variable fee. On subsequent remeasurement of a group of direct participating contracts (measured under VFA), changes to the fulfilment cash flows, discounted at current rates, reflecting changes in the obligation to pay the policyholder an amount equal to the fair value of the underlying items are recognised in the income statement, within net finance income or expense from insurance, participating investment and reinsurance contracts. The CSM is adjusted for changes in the amount of the Group’s share of the fair value of the underlying items, which relate to future services, except where such changes result in recognition or reversal of the loss component for onerous groups, or where the Group applies the risk mitigation option. For certain contracts with direct participation features, the Group mitigates financial risks using equity and currency hedges. The Group does not adjust the CSM for changes in the fulfilment cash flows and/or entity’s share of the underlying items that reflect some of the changes in the effect of time value of money and financial risk. These amounts are instead reflected in profit or loss. The CSM is also adjusted for those fulfilment cashflows that do not vary based on the returns on underlying items that relate to future service (including the effect of time value of money and financial risks not arising from underlying items, such as the impact of minimum return guarantees), except where such changes result in recognition or reversal of the loss component for onerous groups. Changes in fulfilment cash flows relating to future service adjust the CSM using current discount rates.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For contracts measured under the GMM or VFA at the end of each reporting period the appropriate proportion of the CSM is recognised in the income statement to reflect the amount of profit related to the insurance contract services provided in the period. This is calculated using coverage units, a measure used to determine the allocation of the CSM over the remaining coverage periods. The number of coverage units in a group is the quantity of insurance contract services provided by the contracts in the group, determined by considering for each contract the quantity of the benefits provided and its expected coverage period.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Derecognition</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group derecognises an insurance and participating investment contract when it is extinguished (that is, when the obligation specified in the contract expires or is discharged or cancelled) or if its terms are modified in a way that would have changed the accounting for the contract significantly had the new terms always existed.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">If a contract is derecognised, then the fulfilment cash flows of the group are adjusted to eliminate the present value of the future cash flows and risk adjustment of the contract derecognised from the group, and the CSM of the group is adjusted for the change in fulfilment cash flows, except where such changes are allocated to the loss component.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">If a contract is derecognised because its terms are modified, then the CSM of the existing group is also adjusted for the premium that would have been charged had the Group entered into a contract with the new contract’s terms at the date of modification, less any additional premium charged for the modification. A new modified contract is recognised assuming the Group received the premium that would have been charged had the Group entered into a contract with the new contract’s terms at the date of the modification.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where the adjustments to CSM result in the CSM being reduced to nil, any further adjustments are recognised in the income statement in insurance service expense.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) General insurance contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">General insurance contracts issued by the Group are presented on the balance sheet within liabilities arising from insurance and participating investment contracts. The Group applies the PAA to the measurement of general insurance contracts, which either have a coverage period of each contract in the group of one year or less or have an annual re-pricing option. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For a group of general insurance contracts that is not onerous at initial recognition, the Group measures the LRC as any premium received at initial recognition, less any insurance acquisition cash flows at that date, plus any other asset or liability previously recognised for cash flows related to the group of contracts that the Group pays or receives before the group of insurance contracts is recognised.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group estimates the LIC using the methodology described in the Measurement section for life insurance contracts above.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where, during the coverage period, facts and circumstances indicate that a group of insurance contracts is onerous, the Group recognises a loss in the income statement for the net outflow, resulting in the carrying amount of the liability for the group being equal to the fulfilment cash flows. A loss component is established by the Group within the LRC for such onerous group. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On subsequent measurement, the Group measures the carrying amount of the LRC at the end of each reporting period as the LRC at the beginning of the period plus premiums received in the period, less insurance acquisition cash flows, plus any amounts relating to the amortisation of the insurance acquisition cash flows recognised as an expense in the reporting period for the group, less the amount recognised as insurance revenue for the services provided in the period. For onerous groups, the LRC is also adjusted for the remeasurement of the loss component.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(3) Reinsurance</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Reinsurance contracts issued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Reinsurance contracts issued by the Group (where insurance risk is transferred to the Group) are accounted for under the GMM as insurance contracts. These contracts are presented within other assets or liabilities arising from insurance and participating investment contracts.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(ii) Reinsurance contracts held</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The classification of contracts entered into by the Group with reinsurers under which the Group is compensated for amounts payable on one or more other contracts issued by the Group is dependent on whether the contract with the reinsurer transfers significant insurance risk to the reinsurer. Where the reinsurance contract transfers significant insurance risk (reinsurance contracts held), it is accounted for under the GMM, as modified for reinsurance contracts held. The Group adjusts the CSM of the group to which a reinsurance contract held belongs and as a result recognises income, when it recognises a loss on initial recognition of onerous underlying contracts.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Contracts that do not transfer significant insurance risk to the reinsurer are recognised within financial assets at fair value through profit or loss as they are within a portfolio of financial assets that is managed, and whose performance is evaluated, on a fair value basis. These contracts, while legally reinsurance contracts, do not meet the definition of a reinsurance contract under IFRS. Investment returns (including movements in fair value and investment income) allocated to these contracts are recognised on the face of the income statement within net trading income.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(4) Non-participating investment contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s non-participating investment contracts are primarily unit-linked. These contracts are accounted for under IFRS 9 as financial liabilities whose value is contractually linked to the fair values of financial assets within the Group’s unitised investment funds. The value of the unit-linked financial liabilities is determined using current unit prices multiplied by the number of units attributed to the contract holders at the balance sheet date. Their value is never less than the amount payable on surrender, discounted for the required notice period where applicable. Investment returns (including movements in fair value and investment income) allocated to those contracts are recognised in the income statement through change in non-participating investment contracts.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deposits and withdrawals are not accounted for through the income statement but are accounted for directly in the balance sheet as adjustments to the non-participating investment contract liability.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group receives investment management fees in the form of an initial adjustment or charge to the amount invested. These fees are in respect of services rendered in conjunction with the issue and management of investment contracts where the Group actively manages the consideration received from its customers to fund a return that is based on the investment profile that the customer selected on origination of the contract. These services comprise an indeterminate number of acts over the lives of the individual contracts and, therefore, the Group defers these fees and recognises them over the estimated lives of the contracts, in line with the provision of investment management services.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Costs which are directly attributable and incremental to securing new non-participating investment contracts are deferred. This asset is subsequently amortised over the period of the provision of investment management services and its recoverability is reviewed in circumstances where its carrying amount may not be recoverable. If the asset is greater than its recoverable amount it is written down immediately through fee and commission expense in the income statement. All other costs are recognised as expenses when incurred.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(N) Insurance – IFRS 4</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As permitted by IFRS 17, the Group’s income statement for the year ended 31 December 2021 has been prepared under IFRS 4 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Insurance Contracts</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">. The balance sheets as at 31 December 2023, 31 December 2022 and the opening balance sheet for IFRS 17 transition as at 1 January 2022 are presented under IFRS 17 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Insurance Contracts</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Products sold by the life insurance business are classified into three categories: insurance contracts, participating investment contracts and non-participating investment contracts.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For certain investment contracts, the contract can be partly invested in units which contain a discretionary participation feature (DPF) and partly in units without. Where switching levels for similar contracts are deemed to be significant, new investment contracts which contain an option to switch into investment contracts with DPF have been classified as participating investment contracts. Where the switching levels are not deemed to be significant, a new contract is split, with units containing a DPF being allocated as a participating investment contract and the units without a DPF as a non-participating investment contract. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The general insurance business issues only insurance contracts.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Life insurance business</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Accounting for insurance and participating investment contracts</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Premiums and claims</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Premiums received in respect of insurance and participating investment contracts are recognised as revenue when due except for unit-linked contracts on which premiums are recognised as revenue when received. Claims are recorded as an expense on the earlier of the maturity date or the date on which the claim is notified.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Liabilities</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Changes in the value of liabilities are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Insurance and participating investment contracts in the Group’s with-profit funds: liabilities of the Group’s with-profit funds, including guarantees and options embedded within products written by these funds, are stated at their realistic values in accordance with the Prudential Regulation Authority’s realistic capital regime, except that projected transfers out of the funds into other Group funds are recorded in the unallocated surplus (see below)</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Insurance contracts which are not unit-linked or in the Group’s with-profit funds: a liability for contractual benefits that are expected to be incurred in the future is recorded when the premiums are recognised. The liability is calculated by estimating the future cash flows over the duration of in-force policies and discounting them back to the valuation date allowing for probabilities of occurrence. The liability will vary with movements in interest rates and with the cost of life insurance and annuity benefits where future mortality is uncertain</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Assumptions are made in respect of all material factors affecting future cash flows, including future interest rates, mortality and costs.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Insurance and participating investment contracts which are unit-linked; Liabilities for unit-linked insurance and participating investment contracts are stated at the bid value of units plus an additional allowance where appropriate (such as for any excess of future expenses over charges). The liability is increased or reduced by the change in the unit prices and is reduced by policy administration fees, mortality and surrender charges and any withdrawals. Benefit claims in excess of the account balances incurred in the period are also charged through insurance claims and changes in insurance and investment contract liabilities. Revenue consists of fees deducted for mortality, policy administration and surrender charges</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Unallocated surplus</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Any amounts in the with-profit funds not yet determined as being due to policyholders or shareholders are recognised as an unallocated surplus which is shown separately from liabilities arising from insurance and participating investment contracts.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(ii) Accounting for non-participating investment contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The accounting policy is consistent with M(4) above, except that investment returns (including movements in fair value and investment income) allocated to those contracts are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) General insurance business</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group both underwrites and acts as intermediary in the sale of general insurance products. Underwriting premiums are included in insurance premium income, net of refunds, in the period in which insurance cover is provided to the customer; premiums received relating to future periods are deferred in the balance sheet within liabilities arising from insurance and participating investment contracts on a basis that reflects the length of time for which contracts have been in-force and the projected incidence of risk over the term of the contract and only credited to the income statement when earned. Broking commission is recognised when the underwriter accepts the risk of providing insurance cover to the customer. Where appropriate, provision is made for the effect of future policy terminations based upon past experience.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The underwriting business makes provision for the estimated cost of claims notified but not settled and claims incurred but not reported at the balance sheet date. The provision for the cost of claims notified but not settled is based upon a best estimate of the cost of settling the outstanding claims after taking into account all known facts. In those cases where there is insufficient information to determine the required provision, statistical techniques are used which take into account the cost of claims that have recently been settled and make assumptions about the future development of the outstanding cases. Similar statistical techniques are used to determine the provision for claims incurred but not reported at the balance sheet date. Claims liabilities are not discounted.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(3) Liability adequacy test</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At each balance sheet date liability adequacy tests are performed to ensure the adequacy of insurance and participating investment contract liabilities net of related deferred cost assets and value of in-force business. In performing these tests, current best estimates of discounted future contractual cash flows and claims handling and policy administration expenses, as well as investment income from the assets backing such liabilities, are used. Any deficiency is immediately charged to the income statement, initially by writing off the relevant assets and subsequently by establishing a provision for losses arising from liability adequacy tests.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(4) Reinsurance</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The presentation of contracts entered into by the Group with reinsurers under which the Group is compensated for amounts payable on one or more other contracts issued by the Group is dependent on whether the contract with the reinsurer transfers significant insurance risk to the reinsurer. Where the reinsurance contract transfers significant insurance risk, it is classified as an insurance contract and the asset is recognised separately on the balance sheet. Where the reinsurance contract does not transfer significant insurance risk to the reinsurer, the assets arising from contracts held with reinsurers are presented within financial assets at fair value through profit or loss.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Contracts with reinsurers that transfer significant insurance risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Amounts recoverable from or due to reinsurers are measured consistently with the amounts associated with the reinsured contracts and in accordance with the terms of each reinsurance contract and are regularly reviewed for impairment. Premiums payable for reinsurance contracts are recognised as an expense when due within insurance premium income. Changes in the reinsurance recoverable assets are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(ii) Contracts with reinsurers that do not transfer significant insurance risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Contracts that do not transfer significant insurance risk to the reinsurer are recognised within financial assets at fair value through profit or loss as they are within a portfolio of financial assets that is managed, and whose performance is evaluated, on a fair value basis. These contracts, while legally reinsurance contracts, do not meet the definition of a reinsurance contract under IFRS. Investment returns (including movements in fair value and investment income) allocated to these contracts are recognised in insurance claims and changes in insurance and investment contract liabilities.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Foreign Currency Translation Explanatory DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Items included in the financial statements of each of the Group’s entities are measured using the currency of the primary economic environment in which the entity operates (the functional currency). Foreign currency transactions are translated into the appropriate functional currency using the exchange rates prevailing at the dates of the transactions. Foreign exchange gains and losses resulting from the settlement of such transactions and from the translation at year end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in the income statement, except when recognised in other comprehensive income as qualifying cash flow or net investment hedges. Non-monetary assets that are measured at fair value are translated using the exchange rate at the date that the fair value was determined. Translation differences on equities and similar non-monetary items held at fair value through profit and loss are recognised in profit or loss as part of the fair value gain or loss. Translation differences on non-monetary financial assets measured at fair value through other comprehensive income, such as equity shares, are included in the fair value reserve in equity unless the asset is a hedged item in a fair value hedge.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 2: Accounting policies</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The results and financial position of all Group entities that have a functional currency different from the presentation currency are translated into the presentation currency as follows: the assets and liabilities of foreign operations, including goodwill and fair value adjustments arising on the acquisition of a foreign entity, are translated into Sterling at foreign exchange rates ruling at the balance sheet date; and the income and expenses of foreign operations are translated into Sterling at average exchange rates unless these do not approximate to the foreign exchange rates ruling at the dates of the transactions, in which case income and expenses are translated at the dates of the transactions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Foreign exchange differences arising on the translation of a foreign operation are recognised in other comprehensive income and accumulated in a separate component of equity together with exchange differences arising from the translation of borrowings and other currency instruments designated as hedges of such investments (see (F)(3) above). On disposal or liquidation of a foreign operation, the cumulative amount of exchange differences relating to that foreign operation is reclassified from equity and included in determining the profit or loss arising on disposal or liquidation.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Provisions Explanatory DescriptionOfAccountingPolicyForProvisionsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Provisions are recognised in respect of present obligations arising from past events where it is probable that outflows of resources will be required to settle the obligations and they can be reliably estimated.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Contingent liabilities are possible obligations whose existence depends on the outcome of uncertain future events or those present obligations where the outflows of resources are uncertain or cannot be measured reliably. Contingent liabilities are not recognised in the financial statements but are disclosed unless they are remote.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Provision is made for expected credit losses in respect of irrevocable undrawn loan commitments and financial guarantee contracts (see (H) above).</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Issued Capital Explanatory DescriptionOfAccountingPolicyForIssuedCapitalExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Incremental costs directly attributable to the issue of new shares or options or to the acquisition of a business are shown in equity as a deduction, net of tax, from the proceeds. Dividends paid on the Group’s ordinary shares are recognised as a reduction in equity in the period in which they are paid.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where the Company or any member of the Group purchases the Company’s share capital, the consideration paid is deducted from shareholders’ equity as treasury shares until they are cancelled; if these shares are subsequently sold or reissued, any consideration received is included in shareholders’ equity.</span></div>
CY2023	ifrs-full	Description Of Accounting Policy To Determine Components Of Cash And Cash Equivalents DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the purposes of the cash flow statement, cash and cash equivalents comprise cash and non-mandatory deposits held with central banks, mandatory deposits held with central banks in demand accounts and amounts due from banks with an original maturity of less than three months that are available to finance the Group’s day-to-day operations.</span></div>
CY2023	ifrs-full	Disclosure Of Accounting Judgements And Estimates Explanatory DisclosureOfAccountingJudgementsAndEstimatesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 3: Critical accounting judgements and key sources of estimation uncertainty</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The preparation of the Group’s financial statements in accordance with IFRS requires management to make judgements, estimates and assumptions in applying the accounting policies that affect the reported amounts of assets, liabilities, income and expenses. Due to the inherent uncertainty in making estimates, actual results reported in future periods may be based upon amounts which differ from those estimates. Estimates, judgements and assumptions are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances. In preparing the financial statements, the Group has considered the impact of climate-related risks on its financial position and performance. While the effects of climate change represent a source of uncertainty, the Group does not consider there to be a material impact on its judgements and estimates from the physical, transition and other climate-related risks in the short term.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The significant judgements, apart from those involving estimation, made by management in applying the Group’s accounting policies in these financial statements (critical judgements) and the key sources of estimation uncertainty that may have a significant risk of causing a material adjustment to the carrying amount of assets and liabilities within the next financial year (key sources of estimation uncertainty), which together are considered critical to the Group’s results and financial position, are as follows:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Retirement benefit obligations (note 16)</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Uncertain tax positions (note 19)</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Fair value of financial instruments (note 21)</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Allowance for expected credit losses (note 24)</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Valuation of liabilities arising from insurance business (notes 30 and 36)</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Regulatory and legal provisions (note 38)</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Consideration of climate change </span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial statement preparation includes the consideration of the impact of climate change on the Group’s financial statements. There has been no material impact identified on the financial reporting judgements and estimates. In particular, the directors considered the impact of climate change in respect of the:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Going concern of the Group for a period of at least 12 months from the date of approval of the financial statements</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Assessment of impairment of non-financial assets including goodwill</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Carrying value and useful economic lives of property, plant and equipment</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Fair value of financial assets and liabilities. These are generally based on market indicators which include the market’s assessment of climate risk</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Initial assessments on expected credit loss, focussing on specific climate-related macroeconomic, physical and transition risk impacts on credit quality at a sector and segment level</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Forecasting of the Group’s future UK taxable profits, which impacts deferred tax recognition</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Whilst there is currently no material short-term impact of climate change expected, the Group acknowledges the long-term nature of climate risk and continues to monitor and assess climate risks highlighted in the risk management section on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">pages </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%"><a href="#ib73a1e56de5b40418e2278f96ca4c6ba_133" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">53</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%"> to </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%"><a href="#i3719ba7efd594d1ebb15e58beefe5095_18366" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">56</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table demonstrates the effect of reasonably possible changes in key assumptions on profit before tax and equity disclosed in these financial statements assuming that the other assumptions remain unchanged. In practice this is unlikely to occur, and changes in some assumptions may be correlated. The sensitivities below are on a gross of reinsurance basis, which do not differ materially from the sensitivities net of reinsurance. These amounts include movements in liabilities relating to insurance and participating investment contracts and related assets in order to demonstrate the impacts on shareholder profit and equity. Therefore, these sensitivities have not been applied to the proportion of assets and liabilities where the risks are borne by the policyholder and where assets and liabilities are well matched so as not to have a significant impact on shareholder profit.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:45.770%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Change in variable</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Increase<br/>(reduction)<br/>in profit<br/>before tax<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Increase<br/>(reduction)<br/>in equity<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Increase<br/>(reduction)<br/>in profit<br/>before tax<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Increase<br/>(reduction)<br/>in equity<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Key sources of estimation uncertainty</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Annuitant mortality</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% reduction</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">85 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">69 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% increase</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(75)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(56)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(101)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(82)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Future maintenance and investment expenses</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% reduction</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% increase</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(29)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(28)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(23)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Risk free rate, including illiquidity premia</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1% reduction</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">393</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">294</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">357 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1% increase</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(333)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(250)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(317)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(256)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Widening of credit default spreads on corporate bonds</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.25% addition</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(316)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(237)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(276)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(224)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other accounting estimates</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-annuitant mortality and morbidity</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% reduction</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% increase</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(63)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(47)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(54)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(44)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lapse rates</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">6</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% reduction</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% increase</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 This sensitivity shows the impact on the annuity and deferred annuity business of reducing/increasing mortality rates to 95/105 per cent of the expected rate. </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 This sensitivity shows the impact of reducing/increasing maintenance expenses and investment expenses to 90/110 per cent of the expected rate.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 This sensitivity shows the impact of a 100 basis point increase/decrease in the risk-free rate, including illiquidity premia. This impacts both the related assets and liabilities.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 This sensitivity shows the impact of a 25 basis point increase in credit default spreads on corporate bonds and the corresponding reduction in market values. Swap curves, the risk-free rate and illiquidity premia are all assumed to be unchanged and therefore this sensitivity impacts the related assets.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 This sensitivity shows the impact of reducing/increasing mortality and morbidity rates on non-annuity business to 95/105 per cent of the expected rate.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6 This sensitivity shows the impact of reducing/increasing lapse and surrender rates to 90/110 per cent of the expected rate.</span></div>
CY2023	ifrs-full	Disclosure Of Entitys Reportable Segments Explanatory DisclosureOfEntitysReportableSegmentsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 4: Segmental analysis</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Lloyds Banking Group provides a wide range of banking and financial services in the UK and in certain locations overseas.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group Executive Committee (GEC) has been determined to be the chief operating decision-maker, as defined by IFRS 8 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Operating Segments</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">, for the Group. The Group’s operating segments reflect its organisational and management structures. The GEC reviews the Group’s internal reporting based around these segments in order to assess performance and allocate resources. It considers interest income and expense on a net basis and consequently the total interest income and expense for all reportable segments is presented net. The segments are differentiated by the type of products provided and by whether the customers are individuals or corporate entities.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The segmental results and comparatives are presented on an underlying basis (pre-tax), the basis reviewed by the chief operating decision-maker. The underlying basis is derived from the recognition and measurement principles of IFRS with the effects of the following excluded in arriving at underlying profit before tax:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Restructuring costs relating to merger, acquisition and integration activities</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Volatility and other items, which includes the effects of certain asset sales, the volatility relating to the Group’s hedging arrangements and that arising in the insurance businesses, the unwind of acquisition-related fair value adjustments and the amortisation of purchased intangible assets</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Losses from insurance and participating investment contract modifications relating to the enhancement to the Group’s longstanding and workplace pension business through the addition of a drawdown feature</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the purposes of the underlying income statement, operating lease depreciation (net of gains on disposal of operating lease assets) is shown as an adjustment to underlying income.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has three operating and reportable segments: Retail; Commercial Banking; and Insurance, Pensions and Investments:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Retail offers a broad range of financial services products to personal customers, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance and leasing solutions</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Commercial Banking serves small and medium businesses and corporate and institutional clients, providing lending, transactional banking, working capital management, debt financing and risk management services</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Insurance, Pensions and Investments offers insurance, investment and pension management products and services</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Other comprises income and expenditure not attributed to the Group’s operating segments. These amounts include those arising from the Group’s equities business, residual net interest income after transfer pricing (which includes the central recovery of the Group’s distributions on other equity instruments), in period gains from gilt sales and the unwind of associated hedging costs.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Inter-segment services are generally recharged at cost, although some attract a margin. In particular, a profit margin is charged on the internal commission arrangements between the branch network and other distribution channels and the insurance product manufacturing businesses within the Group. Inter-segment lending and deposits are generally entered into at market rates, except that non-interest bearing balances are priced at a rate that reflects the external yield that could be earned on such funds.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the majority of those derivative contracts entered into by business units for risk management purposes, the business unit recognises the net interest income or expense on an accrual accounting basis and transfers the remainder of the movement in the fair value of the derivative to the central function where the resulting accounting volatility is managed where possible through the establishment of hedge accounting relationships. Any change in fair value of the hedged instrument attributable to the hedged risk is also recorded within the central function. This allocation of the fair value of the derivative and change in fair value of the hedged instrument attributable to the hedged risk avoids accounting asymmetry in segmental results and leads to accounting volatility, which is managed centrally and reported within Other.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 4: Segmental analysis</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:52.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Year ended 31 December 2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Retail<br/>£m</span></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,647</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,799</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(132)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">451</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,765</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying other income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,159</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,691</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,209</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">64</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,123</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total underlying income, net of net finance income in respect of insurance and investment contracts</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,806</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,490</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,077</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">515</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,888</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(948)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(956)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,858</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,482</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,077</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">515</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,932</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5,469)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,647)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(880)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(144)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,140)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(515)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(127)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(14)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(19)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(675)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5,984)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,774)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(894)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(163)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,815)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying impairment (charge) credit</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(831)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">511</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(308)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying profit before tax</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,043</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,219</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">190</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">357</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,809</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,803</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,570</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,221</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">294</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,888</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External operating lease depreciation</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(948)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(956)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(997)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">920</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(144)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">221</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,858</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,482</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,077</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">515</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,932</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">361,181</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88,606</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(42)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">376,789</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">150,834</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">184,267</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">169,563</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">881,453</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">308,441</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">162,752</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">313,244</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">204,815</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">179,962</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">136,067</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">834,088</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Analysis of underlying other income:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">618</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">955</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">249</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,831</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,373</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,383</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">140</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">146</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">122</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">122</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading income, insurance and other, net of net finance income in respect<br/>of insurance and investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(27)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">327</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">272</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,069</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,641</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">195</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">399</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">548</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,142)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying other income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,159</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,691</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,209</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">64</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,123</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other items reflected in income statement above:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,927</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">410</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">201</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">367</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,905</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Defined benefit scheme charge (credit)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">53</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(159)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(79)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-income statement items:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,294</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,993</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,455</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">401</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">401</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Net of profits on disposal of operating lease assets of £93 million.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other includes centralised fair value hedge accounting adjustments.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 4: Segmental analysis</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:52.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Year ended 31 December 2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,774 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,447 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(101)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,172 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying other income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,731 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,565 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">960 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">410 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,666 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total underlying income, net of net finance income in respect of insurance and investment contracts</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,505 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,012 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">859 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">462 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,838 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(368)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(373)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,137 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,007 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">859 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">462 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,465 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,175)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,496)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(879)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(122)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,672)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(133)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(30)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(255)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,267)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,629)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(909)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(122)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,927)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying impairment (charge) credit</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,373)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(517)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">392 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,510)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying profit (loss) before tax</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,497 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,861 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(62)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">732 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,028 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,055 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,330 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">910 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">543 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,838 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External operating lease depreciation</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(368)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(373)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(550)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">682 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(51)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(81)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,137 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,007 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">859 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">462 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,465 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">364,194 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">93,675 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,970)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372,485 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">147,477 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">170,777 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">182,655 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">873,394 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">310,765 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">163,828 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">738 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">314,091 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">202,070 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">168,357 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">144,965 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">829,483 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Analysis of underlying other income:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">555 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">928 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">239 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,720 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,065 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,077 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">144 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">92 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">92 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading income, insurance and other, net of net finance income in respect<br/>of insurance and investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">296 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(765)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,938 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">163 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,632 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(185)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,390 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,361)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">156 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying other income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,731 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,565 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">960 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">410 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,666 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other items reflected in income statement above:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">207 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">142 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">831 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,396 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Defined benefit scheme charge</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">72 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">125 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-income statement items:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,146 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">101 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">151 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,457 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,855 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">381 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">385 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Net of profits on disposal of operating lease assets of £197 million.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Other includes centralised fair value hedge accounting adjustments.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 4: Segmental analysis</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:52.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Year ended 31 December 2021</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,577 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,602 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(103)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">87 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,163 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying other income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,597 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,442 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,406 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">615 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,060 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,174 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,044 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,303 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">702 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,223 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(442)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(460)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,732 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,026 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,303 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">702 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,763 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,987)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,288)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(899)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(138)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,312)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(360)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(830)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(123)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,300)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,347)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,118)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,022)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(125)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9,612)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying impairment credit</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">447 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">936 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying profit before tax</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,832 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,844 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">281 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">579 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,536 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,260 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,883 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,323 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(243)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,223 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External operating lease depreciation1</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(442)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(460)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,086)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">945 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,732 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,026 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,303 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">702 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,763 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">356,351 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">92,470 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(254)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">448,567 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">364,179 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">144,390 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">195,039 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">182,917 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">886,525 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">308,412 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167,530 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">402 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">476,344 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">External liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">312,594 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">204,641 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">188,372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">127,766 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">833,373 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Analysis of underlying other income:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">452 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">927 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,423 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,046 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,059 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading income, insurance and other, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">188 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,045 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,766 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(605)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,394 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(89)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(538)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(559)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying other income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,597 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,442 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,406 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">615 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,060 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other items reflected in income statement above:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,525 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">170 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">847 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,825 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Defined benefit scheme charge</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">106 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">236 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-income statement items:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,921 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">179 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">117 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,011 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,228 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">346 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">352 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Net of profits on disposal of operating lease assets of £249 million.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other includes centralised fair value hedge accounting adjustments.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Geographical areas</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s operations are predominantly UK-based and as a result an analysis between UK and non-UK activities is not provided.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 4: Segmental analysis</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span id="i58573ee9249a4edfba8a7474ae361319_804"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Reconciliation of underlying basis to statutory results</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The underlying basis is the basis on which financial information is presented to the chief operating decision-maker which excludes certain items included in the statutory results. The table below reconciles the statutory results to the underlying basis.</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:59.162%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.692%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Removal of:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Year ended 31 December 2023</span></td><td colspan="6" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Volatility,</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">and other</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">items</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">gross up</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net interest income / Underlying interest income</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,298</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">479</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,765</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other income, net of net finance income in respect of insurance and investment contracts / Underlying other income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,331</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(447)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">239</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,123</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total income, net of net finance income in respect of insurance and investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,629</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">227</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,888</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(956)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(956)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total income, net of net finance income in respect of insurance and investment contracts / Underlying income, net of operating lease depreciation</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,629</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(924)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">227</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,932</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating expenses / Total costs</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10,823)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,235</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(227)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,815)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment charge / Underlying impairment charge</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(303)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(308)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Profit before tax / Underlying profit</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,503</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">306</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,809</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.825%"><tr><td style="width:1.0%"></td><td style="width:59.104%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.695%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.375%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.375%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.375%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:8.376%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Year ended 31 December 2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">5,6</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Volatility,</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">and other</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">items</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">4</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">gross up</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net interest income / Underlying interest income</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,922 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">226 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,172 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other income, net of net finance income in respect of insurance and investment contracts / Underlying other income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,619 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,846 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">201 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,666 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total income, net of net finance income in respect of insurance and investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,541 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,072 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">225 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,838 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(373)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(373)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total income, net of net finance income in respect of insurance and investment contracts / Underlying income, net of operating lease depreciation</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,541 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,699 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">225 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,465 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating expenses / Total costs</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9,237)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">535 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(225)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,927)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment credit / Underlying impairment credit</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,522)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,510)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Profit before tax / Underlying profit</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,782 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,246 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,028 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:59.162%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.692%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Year ended 31 December 2021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">6</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Volatility,</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">and other</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">items</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">7</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">gross up</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net interest income / Underlying interest income</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,872 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">255 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,163 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying other income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,452 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(139)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(253)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,060 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,324 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">116 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(217)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,223 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(460)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(460)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, net of operating lease depreciation</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,324 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(344)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(217)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,763 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating expenses / Total costs</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10,800)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">971 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">217 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9,612)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment charge / Underlying impairment charge</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,378 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Profit before tax / Underlying profit</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,902 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">634 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,536 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 In the year ended 31 December 2023 this comprises the effects of market volatility and asset sales (gain of £35 million); the amortisation of purchased intangibles (£80 million); restructuring (£154 million of merger, acquisition and integration costs); and the fair value unwind (losses of £107 million).</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 The Group’s Insurance business statutory income statement includes income and expenses attributable to the policyholders of the Group’s long-term assurance funds, investors in the Group's non-participating investment contracts and third party interests in consolidated funds. These items have no impact in total upon the profit attributable to equity shareholders and, in order to provide a clearer representation of the underlying trends within the business, these items are shown net within the underlying results.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Net of profits on disposal of operating lease assets of £93 million (2022: £197 million; 2021: £249 million). Statutory operating expenses includes operating lease depreciation. On an underlying basis operating lease depreciation is included in net income.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Comprises the effects of market volatility and asset sales (losses of £1,978 million); the amortisation of purchased intangibles (£70 million); restructuring (£80 million of merger, acquisition and integration costs); and the fair value unwind (losses of £118 million).</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6 Restated for presentational changes; see note 1.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7 Comprises the effects of market volatility and asset sales (gain of £87 million); the amortisation of purchased intangibles (£70 million); restructuring (£452 million, including a software write-off as a result on investment in new technology and systems infrastructure together with merger, acquisition and integration costs); and the fair value unwind (losses of £199 million).</span></div>
CY2023	ifrs-full	Description Of Accounting Policy For Segment Reporting Explanatory DescriptionOfAccountingPolicyForSegmentReportingExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Lloyds Banking Group provides a wide range of banking and financial services in the UK and in certain locations overseas.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group Executive Committee (GEC) has been determined to be the chief operating decision-maker, as defined by IFRS 8 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Operating Segments</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">, for the Group. The Group’s operating segments reflect its organisational and management structures. The GEC reviews the Group’s internal reporting based around these segments in order to assess performance and allocate resources. It considers interest income and expense on a net basis and consequently the total interest income and expense for all reportable segments is presented net. The segments are differentiated by the type of products provided and by whether the customers are individuals or corporate entities.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The segmental results and comparatives are presented on an underlying basis (pre-tax), the basis reviewed by the chief operating decision-maker. The underlying basis is derived from the recognition and measurement principles of IFRS with the effects of the following excluded in arriving at underlying profit before tax:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Restructuring costs relating to merger, acquisition and integration activities</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Volatility and other items, which includes the effects of certain asset sales, the volatility relating to the Group’s hedging arrangements and that arising in the insurance businesses, the unwind of acquisition-related fair value adjustments and the amortisation of purchased intangible assets</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Losses from insurance and participating investment contract modifications relating to the enhancement to the Group’s longstanding and workplace pension business through the addition of a drawdown feature</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the purposes of the underlying income statement, operating lease depreciation (net of gains on disposal of operating lease assets) is shown as an adjustment to underlying income.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has three operating and reportable segments: Retail; Commercial Banking; and Insurance, Pensions and Investments:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Retail offers a broad range of financial services products to personal customers, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance and leasing solutions</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Commercial Banking serves small and medium businesses and corporate and institutional clients, providing lending, transactional banking, working capital management, debt financing and risk management services</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Insurance, Pensions and Investments offers insurance, investment and pension management products and services</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Other comprises income and expenditure not attributed to the Group’s operating segments. These amounts include those arising from the Group’s equities business, residual net interest income after transfer pricing (which includes the central recovery of the Group’s distributions on other equity instruments), in period gains from gilt sales and the unwind of associated hedging costs.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Inter-segment services are generally recharged at cost, although some attract a margin. In particular, a profit margin is charged on the internal commission arrangements between the branch network and other distribution channels and the insurance product manufacturing businesses within the Group. Inter-segment lending and deposits are generally entered into at market rates, except that non-interest bearing balances are priced at a rate that reflects the external yield that could be earned on such funds.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the majority of those derivative contracts entered into by business units for risk management purposes, the business unit recognises the net interest income or expense on an accrual accounting basis and transfers the remainder of the movement in the fair value of the derivative to the central function where the resulting accounting volatility is managed where possible through the establishment of hedge accounting relationships. Any change in fair value of the hedged instrument attributable to the hedged risk is also recorded within the central function. This allocation of the fair value of the derivative and change in fair value of the hedged instrument attributable to the hedged risk avoids accounting asymmetry in segmental results and leads to accounting volatility, which is managed centrally and reported within Other.</span></div>
CY2023	lyg	Number Of Reporting Segments NumberOfReportingSegments	3	segment
CY2023	lyg	Number Of Operating Segments1 NumberOfOperatingSegments1	3	segment
CY2023	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases1 GainLossOnSaleOfLeasedAssetsNetOperatingLeases1	93000000	gbp
CY2022	lyg	Inter Segment Income Other InterSegmentIncomeOther	0	gbp
CY2022	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases1 GainLossOnSaleOfLeasedAssetsNetOperatingLeases1	197000000	gbp
CY2021	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases1 GainLossOnSaleOfLeasedAssetsNetOperatingLeases1	249000000	gbp
CY2023	ifrs-full	Interest Revenue Expense InterestRevenueExpense	13298000000	gbp
CY2023	lyg	Other Income Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities OtherIncomeNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	5331000000	gbp
CY2023	lyg	Revenue Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities RevenueNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	18629000000	gbp
CY2023	lyg	Revenue Net Of Insurance Claims And Lease Depreciation Expense RevenueNetOfInsuranceClaimsAndLeaseDepreciationExpense	18629000000	gbp
CY2023	ifrs-full	Operating Expense OperatingExpense	10823000000	gbp
CY2023	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	303000000	gbp
CY2023	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	7503000000	gbp
CY2022	ifrs-full	Interest Revenue Expense InterestRevenueExpense	12922000000	gbp
CY2022	lyg	Other Income Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities OtherIncomeNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	2619000000	gbp
CY2022	lyg	Revenue Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities RevenueNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	15541000000	gbp
CY2022	lyg	Revenue Net Of Insurance Claims And Lease Depreciation Expense RevenueNetOfInsuranceClaimsAndLeaseDepreciationExpense	15541000000	gbp
CY2022	ifrs-full	Operating Expense OperatingExpense	9237000000	gbp
CY2022	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	1522000000	gbp
CY2022	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	4782000000	gbp
CY2021	ifrs-full	Interest Revenue Expense InterestRevenueExpense	10872000000	gbp
CY2021	lyg	Other Income Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities OtherIncomeNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	5452000000	gbp
CY2021	lyg	Revenue Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities RevenueNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	16324000000	gbp
CY2021	lyg	Revenue Net Of Insurance Claims And Lease Depreciation Expense RevenueNetOfInsuranceClaimsAndLeaseDepreciationExpense	16324000000	gbp
CY2021	ifrs-full	Operating Expense OperatingExpense	10800000000	gbp
CY2021	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	-1378000000	gbp
CY2021	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6902000000	gbp
CY2023	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases1 GainLossOnSaleOfLeasedAssetsNetOperatingLeases1	93000000	gbp
CY2022	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases1 GainLossOnSaleOfLeasedAssetsNetOperatingLeases1	197000000	gbp
CY2021	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases1 GainLossOnSaleOfLeasedAssetsNetOperatingLeases1	249000000	gbp
CY2023	ifrs-full	Disclosure Of Interest Income Expense Explanatory DisclosureOfInterestIncomeExpenseExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 5: Net interest income</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest income:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,172</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,208 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">104 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,419</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,465 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,556 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,044</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">857 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">559</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">168 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">80 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets held at amortised cost</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,194</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,698 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,817 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">947 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">441 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total interest income</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28,051</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,645 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,258 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest expense:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(213)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(148)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(74)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7,148)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,387)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(426)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,397)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(842)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,253)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,636)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(900)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(29)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(32)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(712)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(681)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(932)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total interest expense</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(14,753)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,723)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,386)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,298</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,922 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,872 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for presentational changes; see note 1.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Includes £923 million (2022: £724 million; 2021: £748 million) in respect of finance lease receivables.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The impact of the Group’s hedging arrangements is included on this line.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Net interest income includes a debit of £1,838 million (2022: debit of £43 million; 2021: credit of £621 million) transferred from the cash flow hedging reserve (see note 43).</span></div>
CY2023	ifrs-full	Disclosure Of Interest Income Explanatory DisclosureOfInterestIncomeExplanatory	<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest income:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,172</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,208 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">104 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,419</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,465 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,556 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,044</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">857 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">559</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">168 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">80 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets held at amortised cost</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,194</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,698 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,817 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">947 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">441 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total interest income</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28,051</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,645 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,258 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest expense:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(213)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(148)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(74)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7,148)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,387)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(426)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,397)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(842)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,253)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,636)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(900)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(29)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(32)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(712)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(681)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(932)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total interest expense</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(14,753)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,723)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,386)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,298</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,922 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,872 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for presentational changes; see note 1.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Includes £923 million (2022: £724 million; 2021: £748 million) in respect of finance lease receivables.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The impact of the Group’s hedging arrangements is included on this line.</span></div>
CY2023	ifrs-full	Interest Revenue Expense InterestRevenueExpense	13298000000	gbp
CY2022	ifrs-full	Interest Revenue Expense InterestRevenueExpense	12922000000	gbp
CY2021	ifrs-full	Interest Revenue Expense InterestRevenueExpense	10872000000	gbp
CY2023	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	-1838000000	gbp
CY2022	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	-43000000	gbp
CY2021	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	621000000	gbp
CY2023	ifrs-full	Disclosure Of Fee And Commission Income Expense Explanatory DisclosureOfFeeAndCommissionIncomeExpenseExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 6: Net fee and commission income</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.388%"><tr><td style="width:1.0%"></td><td style="width:52.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.689%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Year ended 31 December 2023</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Retail<br/>£m</span></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">406</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">218</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">624</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">800</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">464</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,264</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">334</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">334</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">69</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">69</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">85</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">186</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">264</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">560</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total fee and commission income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,291</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,277</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">333</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,926</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(673)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(322)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(84)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(16)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,095)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">618</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">955</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">249</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,831</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.388%"><tr><td style="width:1.0%"></td><td style="width:52.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.689%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Year ended 31 December 2022</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">421 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">225 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">646 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">460 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,195 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">310 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">311 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">78 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">78 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">79 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">79 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">64 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">233 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">481 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total fee and commission income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,220 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,243 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">311 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,790 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(665)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(315)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(72)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,070)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">555 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">928 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">239 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,720 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 6: Net fee and commission income</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.388%"><tr><td style="width:1.0%"></td><td style="width:52.047%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.684%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.689%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Year ended 31 December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">425 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">213 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">638 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">533 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">350 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">883 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">376 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">413 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">76 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">76 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">183 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">213 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">485 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total fee and commission income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,023 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,198 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">326 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">61 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,608 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(571)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(271)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(313)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(30)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,185)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">452 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">927 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,423 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Fees and commissions which are an integral part of the effective interest rate form part of net interest income shown in note 5. Fees and commissions relating to instruments that are held at fair value through profit or loss are included within net trading income shown in note 7.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In determining the disaggregation of fees and commissions the Group has considered how the nature, amount, timing and uncertainty of revenue and cash flows are affected by economic factors, including those that are impacted by climate-related factors. It has determined that the above disaggregation by product type provides useful information that does not aggregate items that have substantially different characteristics and is not too detailed.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, the Group held on its balance sheet £163 million (31 December 2022: £173 million) in respect of services provided to customers and £69 million (31 December 2022: £74 million) in respect of amounts received from customers for services to be provided after the balance sheet date. Current unsatisfied performance obligations amount to £172 million (31 December 2022: £149 million); the Group expects to receive substantially all of this revenue by 2025.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Income recognised during the year included £32 million (2022: £8 million) in respect of amounts included in the contract liability balance at the start of the year and £2 million (2022: £1 million) in respect of amounts from performance obligations satisfied in previous years.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The most significant performance obligations undertaken by the Group are in respect of current accounts, the provision of other banking services for commercial customers and credit and debit card services.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In respect of current accounts, the Group receives fees for the provision of bank account and transaction services such as ATM services, fund transfers, overdraft facilities and other value-added offerings.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For commercial customers, alongside its provision of current accounts, the Group provides other corporate banking services including factoring and commitments to provide loan financing. Loan commitment fees are included in fees and commissions where the loan is not expected to be drawn down by the customer.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group receives interchange and merchant fees, together with fees for overseas use and cash advances, for provision of card services to cardholders and merchants.</span></div>
CY2023	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2926000000	gbp
CY2023	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1095000000	gbp
CY2023	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1831000000	gbp
CY2022	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2790000000	gbp
CY2022	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1070000000	gbp
CY2022	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1720000000	gbp
CY2021	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2608000000	gbp
CY2021	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1185000000	gbp
CY2021	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1423000000	gbp
CY2023Q4	ifrs-full	Receivables From Contracts With Customers ReceivablesFromContractsWithCustomers	163000000	gbp
CY2022Q4	ifrs-full	Receivables From Contracts With Customers ReceivablesFromContractsWithCustomers	173000000	gbp
CY2023Q4	ifrs-full	Transaction Price Allocated To Remaining Performance Obligations TransactionPriceAllocatedToRemainingPerformanceObligations	172000000	gbp
CY2022Q4	ifrs-full	Transaction Price Allocated To Remaining Performance Obligations TransactionPriceAllocatedToRemainingPerformanceObligations	149000000	gbp
CY2023Q4	ifrs-full	Current Contract Liabilities CurrentContractLiabilities	32000000	gbp
CY2022Q4	ifrs-full	Current Contract Liabilities CurrentContractLiabilities	8000000	gbp
CY2023	ifrs-full	Revenue From Performance Obligations Satisfied Or Partially Satisfied In Previous Periods RevenueFromPerformanceObligationsSatisfiedOrPartiallySatisfiedInPreviousPeriods	2000000	gbp
CY2022	ifrs-full	Revenue From Performance Obligations Satisfied Or Partially Satisfied In Previous Periods RevenueFromPerformanceObligationsSatisfiedOrPartiallySatisfiedInPreviousPeriods	1000000	gbp
CY2023	ifrs-full	Disclosure Of Trading Income Expense Explanatory DisclosureOfTradingIncomeExpenseExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 7: Net trading income (losses)</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities at fair value through profit or loss:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net gains (losses) on financial instruments held for trading</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">406</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,049)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">141 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net gains (losses) on other financial instruments mandatorily held at fair value through profit or loss</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,653</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(17,210)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,943 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net losses on financial liabilities designated at fair value through profit or loss</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(341)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(154)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(65)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,718</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(18,413)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,019 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,418</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,063)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">606 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment property (losses) gains (note 27)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(87)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(511)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">575 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net trading income (losses)</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,049</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(19,987)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,200 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes hedge ineffectiveness in respect of fair value hedges (2023: loss of £267 million; 2022: loss of £41 million; 2021: gain of £177 million) and cash flow hedges (2023: gain of £19 million; 2022: loss of £10 million; 2021: loss of £69 million).</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Excludes gains and losses arising from non-participating investment contracts, which are presented separately on the face of the income statement.</span></div>
CY2023	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	406000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	-1049000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	141000000	gbp
CY2023	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue	16653000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue	-17210000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue	15943000000	gbp
CY2023	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition	-341000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition	-154000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition	-65000000	gbp
CY2023	lyg	Net Gain Loss On Assets And Liabilities At Fair Value Through Profit Or Loss And Trading NetGainLossOnAssetsAndLiabilitiesAtFairValueThroughProfitOrLossAndTrading	16718000000	gbp
CY2022	lyg	Net Gain Loss On Assets And Liabilities At Fair Value Through Profit Or Loss And Trading NetGainLossOnAssetsAndLiabilitiesAtFairValueThroughProfitOrLossAndTrading	-18413000000	gbp
CY2021	lyg	Net Gain Loss On Assets And Liabilities At Fair Value Through Profit Or Loss And Trading NetGainLossOnAssetsAndLiabilitiesAtFairValueThroughProfitOrLossAndTrading	16019000000	gbp
CY2023	ifrs-full	Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss	1418000000	gbp
CY2022	ifrs-full	Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss	-1063000000	gbp
CY2021	ifrs-full	Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss	606000000	gbp
CY2023	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	-87000000	gbp
CY2022	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	-511000000	gbp
CY2021	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	575000000	gbp
CY2023	ifrs-full	Trading Income Expense TradingIncomeExpense	18049000000	gbp
CY2022	ifrs-full	Trading Income Expense TradingIncomeExpense	-19987000000	gbp
CY2021	ifrs-full	Trading Income Expense TradingIncomeExpense	17200000000	gbp
CY2023	ifrs-full	Disclosure Of Insurance Premium Revenue Explanatory DisclosureOfInsurancePremiumRevenueExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 8: Insurance premium income</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:90.166%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.634%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Life</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross premiums:</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Life and pensions, excluding annuities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,515 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">531 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,046 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Ceded reinsurance premiums</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(376)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net earned premiums</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,670 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-life</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net earned premiums</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">613 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total insurance premium income</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,283 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2021	lyg	Net Earned Premium NetEarnedPremium	8283000000	gbp
CY2023	ifrs-full	Disclosure Of Insurance Contracts Explanatory DisclosureOfInsuranceContractsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 9: Insurance revenue</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:80.704%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.636%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Life</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amounts relating to the changes in liabilities for remaining coverage:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CSM recognised for services provided</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">329</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">245 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in risk adjustments for non-financial risk for risk expired</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">103 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected incurred claims and other insurance services expenses</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,907</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,696 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Charges (credits) to funds in respect of policyholder tax and other</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(228)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,407</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,816 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Recovery of insurance acquisition cash flows</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">86 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total life</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,494</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,902 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-life</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total non-life</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total insurance revenue</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,008</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,461 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 During 2022, acquisition costs of £383 million related to contracts modified and derecognised in the year were excluded from both the amortisation of insurance acquisition cash flows and the recovery of insurance acquisition cash flows as there were no insurance contract services arising from the derecognition upon contract modification.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 10: Insurance service expense</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Incurred claims and other directly attributable expenses</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,897</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">448</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,345</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,751 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,226 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes that relate to past service: adjustment to liabilities<br/>for incurred claims</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes that relate to future service: losses and reversal of</span></div><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">losses on onerous contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(58)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(59)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,486 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,488 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amortisation of insurance acquisition cash flows</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">118</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">85 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">78 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net impairment loss on insurance acquisition assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total insurance service expense</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,934</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">480</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,414</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,336 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">527 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,863 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Included weather-related claims of £57 million (2022: £116 million), of which £51 million (2022: £108 million) was related to severe weather events.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 During 2022, the Group enhanced its existing longstanding and workplace pension business through the addition of a drawdown feature. The Group applied judgement to determine that if the drawdown feature had been included in the contract terms at inception, the modified contracts would have had a substantially different contract boundary. As a result, the existing contracts were derecognised and the modified contracts recognised as new contracts. Judgement was also applied in determining the premium that would have been charged had the Group entered into a contract with the new contracts’ terms at the date of modification. The contracts were modified throughout 2022, in line with the dates of policyholder communication of enhanced benefits. The Group recognised a charge to its 2022 income statement of £1,242 million comprising:</span></div><div style="padding-left:22.68pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">–</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:7.64pt">The Group derecognised existing CSM relating to contracts modified of £399 million and recognised CSM of £1,730 million relating to the new contracts recognised. During 2022, the CSM increased by £1,331 million and will be released to the income statement, in line with service provided. The new CSM is larger than the previously existing CSM as (i) there were no acquisition costs incurred following modification, and (ii) the CSM for those contracts that were originally recognised prior to 1 January 2016 was previously calculated using the fair value approach on transition</span></div><div style="padding-left:22.68pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">–</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:7.64pt">The new CSM also included additional future profit of £89 million expected to emerge from the addition of a drawdown feature, as a result of the increase in the expected length of the contract services period for this business. There has been an equivalent change in the fulfilment cash flows arising upon contract modification</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 During 2022, acquisition costs of £383 million related to contracts modified and derecognised in the year were excluded from both the amortisation of insurance acquisition cash flows and the recovery of insurance acquisition cash flows as there were no insurance contract services arising from the derecognition upon contract modification.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 13: Net investment return on assets held to back insurance and participating investment contracts and net insurance finance (expense) income</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net gains (losses) on financial assets and liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,218</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,253</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14,876)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14,867)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">542</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">542</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,039)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,039)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment property losses</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net investment return on assets held to back insurance and participating investment contracts (memorandum item)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,756</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,791</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(15,918)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(15,909)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in fair value of underlying items of direct participating contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10,293)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10,293)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,212 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,212 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Effects of risk mitigation option</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">172</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">172</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(118)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(118)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest accreted</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(874)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(880)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(350)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(352)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Effect of changes in interest rates and other financial assumptions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(654)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(654)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,226 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,226 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Effect of changes in fulfilment cash flows at current rates when CSM is unlocked at locked-in rates</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(80)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(80)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance (expense) income from insurance and participating investment contracts</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,729)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,735)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,950 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,948 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance income (expense) from reinsurance contracts held</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(55)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(55)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net finance (expense) income from insurance, participating investment and reinsurance contracts</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,678)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,684)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,895 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,893 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Net investment return on assets held to back insurance and participating investment contracts is reported within net trading income (losses) on the face of the Group’s income statement; includes income of £10,200 million (2022: loss of £11,081 million) in respect of unit-linked and with-profit contracts measured applying the variable fee approach. The assets generating the investment return held to back insurance and participating investment contracts are carried at fair value on the Group’s balance sheet.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 30: Insurance and participating investment contracts assets and liabilities</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Critical accounting judgements and key sources of estimation uncertainty</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:28.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:69.788%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Critical judgements:</span></td><td colspan="3" style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Determining the characteristics which make a product illiquid, the level of illiquidity premium to apply to the discount rate of different products and how the illiquidity premium is determined</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-right:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">The determination of whether a drawdown feature added to its longstanding and workplace pension products was a modification that required derecognition and the determination of the premium that would have been charged if these were new contracts.</span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.388%"><tr><td style="width:1.0%"></td><td style="width:41.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.416%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.422%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,784)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(364)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(120,148)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(380)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(110,300)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,775)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(348)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(120,123)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,912)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(366)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(110,278)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Excluding insurance acquisition assets.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group estimates future cash flows based on which cash flows are expected and the probability that they will occur as at the measurement date. The Group uses information about past events, current conditions and forecasts of future conditions to inform these expectations. The Group’s estimate of future cash flows is the mean of a range of scenarios that reflect the full range of possible outcomes, considering all reasonable and supportable information available at the reporting date. The probability-weighted average of the future cash flows is calculated using a deterministic scenario representing the probability-weighted mean of a range of scenarios.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group uses assumptions to develop estimates of future cash flows. These assumptions are reassessed at each reported date to reflect conditions existing at the measurement date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has applied judgment in determining the characteristics which make a product illiquid, the level of illiquidity premium to apply to the discount rate of different products and how the illiquidity premium is determined, where material. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The products to which an illiquidity premium has been applied to the discount rate are annuity contracts, due to the illiquid nature of their cash flows, certain reinsurance contracts held where the underlying contracts are annuity contracts, due to the transfer of longevity risk to the reinsurer, and whole of life protection contracts, due to the inherent policyholder value and zero surrender option.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For annuity contracts, at initial recognition, the illiquidity premium is calculated with reference to a strategic portfolio of assets, and subsequently measured to reflect the mix of actual assets backing annuity contracts, adjusted to reflect the impacts of transition from initial recognition. To reflect differences between the characteristics of insurance contracts and the derivation of discount rates based on a reference portfolio, adjustments for credit risk are required, and the Group uses the fundamental spread to maintain consistency with its Solvency II approach. For protection contracts, the illiquidity premium is based on the spread on a covered bond index.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The average yield curves (GBP currency) that were used to discount the estimates of future cash flows that do not vary based on the returns of the underlying items are as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:51.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 year</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">5 year</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">10 year</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">20 year</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">30 year</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2023</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.37</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.79</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.72</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.19</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.11 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.15 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.03 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.84 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.42 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has also applied judgement to determine if a drawdown feature added to its longstanding and workplace pension products was a modification that required derecognition. See note 10 for more details. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group determines the quantity of benefits provided under each contract as follows:</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:22.189%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:75.611%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Product</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Basis</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">With-Profits and unit linked</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Policyholder account value</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pre-vesting date</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">: defined amount payable</span></div><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Post-vesting date: annuity payout</span></div></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Or the guaranteed benefits, if higher.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Immediate annuities have no pre-vesting date period.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Mortality</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The mortality assumptions for the main classes of business are set with regard to recent Group experience and general industry trends, all of which are adjusted for smoker status and age/gender specific factors. The base mortality tables used for the annuities business for the year ended 31 December 2023 and the prior period were selected from the bespoke mortality tables. The mortality improvements adopt the 100% Bespoke tables and CMI 2022_{M/F}_(7.25)_{2.0/1.8}%_{0.0/0.2}A_2013 for the year ended 31 December 2023 and the 100% Bespoke tables and CMI 2021_{M/F}_(7.25)_{2.0/1.8}%_{0.0/0.2}A_2013 for the prior period.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Lapse rates</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Lapse rates refer to the rate of policy termination or the rate at which policyholders stop paying regular premiums due under the contract. Historical persistency experience is analysed using statistical techniques. As experience can vary considerably between different product types and for contracts that have been in force for different periods, the data is broken down into broadly homogeneous groups for the purposes of determining the Group’s lapse rate in determining the assumptions, which are set on a best estimates basis, based on investigations of historical experience with some expert judgement overlays reflecting expectations of future trends and other external data. The lapse rates for workplace pensions range from 0.8 per cent to 14.6 per cent (2022: 0.8 per cent to 15.7 per cent) and for longstanding business range from 0.5 per cent to 74.1 per cent (2022: 0.5 per cent to 74.1 per cent), the wide range being a result of the age and variety of products.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 31: Reconciliation of insurance balances for liability for remaining coverage and liability for incurred claims</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:21.752%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.367%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities for<br/>remaining coverage</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liability for<br/>incurred<br/>claims<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities for<br/>remaining coverage</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liability for<br/>incurred<br/>claims<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Life</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Excluding loss<br/>component<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Loss<br/>component<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Excluding loss<br/>component<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loss<br/>component<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(160)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(108,846)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(471)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(603)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(109,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(124,053)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(179)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(653)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(124,885)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(108,846)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(471)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(603)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(109,920)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(123,869)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(339)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(653)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(124,861)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance revenue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts under the modified retrospective approach</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts under the fair value transition approach</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,467</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,467</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other contracts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,027</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,027</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">636 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">636 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,494</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,494</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,902 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,902 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service expenses</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Incurred claims and other directly attributable expenses</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,949)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,897)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,795)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,751)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments to liabilities for incurred claims</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Losses from drawdown contract modifications</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,242)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,242)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Losses and reversal of losses on onerous insurance contracts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(244)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(244)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amortisation of insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(85)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(85)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(88)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">110</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,949)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,927)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,327)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(200)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,795)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,322)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service result</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,406</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">110</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,949)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">567</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">575 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(200)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,795)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,420)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance income (expense) from insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,576)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(105)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,684)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,885 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,950 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(94)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(94)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total change in profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,138)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,952)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,085)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,366 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(132)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,798)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,436 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment components</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,793</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8,793)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,285 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7,285)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premiums received</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,768)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,768)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,861)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,861)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Claims and other insurance service expenses paid</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,721</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,721</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,099 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,099 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,565)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,721</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,156</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,661)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,099 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">438 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfer to other items in the balance sheet</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">34</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(118,725)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(466)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(593)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,784)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(108,846)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(471)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(603)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(118,724)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(466)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(593)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,783)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(108,846)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(471)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(603)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,920)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Excluding insurance acquisition assets.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 31: Reconciliation of insurance balances for liability for remaining coverage and liability for incurred claims</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:21.752%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.367%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities for<br/>remaining coverage</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liability for<br/>incurred<br/>claims<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities for<br/>remaining coverage</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liability for<br/>incurred<br/>claims<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-life</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Excluding loss<br/>component<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Loss<br/>component<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Excluding loss<br/>component<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loss<br/>component<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(357)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(380)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(32)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(286)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(322)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(22)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(357)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(380)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(32)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(286)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(322)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance revenue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts under the modified retrospective approach</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts under the fair value transition approach</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other contracts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service expenses</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Incurred claims and other directly attributable expenses</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(448)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(448)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(480)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(475)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments to liabilities for incurred claims</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(57)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(57)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Losses and reversal of losses on onerous insurance contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amortisation of insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(451)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(480)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(537)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(527)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service result</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">484</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(451)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">34</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">566 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(537)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance income (expense) from insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total change in profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">484</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(457)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">566 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(539)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment components</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premiums received</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(525)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(525)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(584)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(584)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Claims and other insurance service expenses paid</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">475</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">475</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">468 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">468 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(487)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">475</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(556)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">468 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(88)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfer to other items in the balance sheet</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(25)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(339)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(364)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(357)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(380)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(25)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(339)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(364)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(357)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(380)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Excluding insurance acquisition assets.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 32: Reconciliation of measurement components of insurance contract balances</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:37.036%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.917%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="39" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="21" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Contractual service margin</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Life</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Present<br/>value of<br/>future<br/>cash<br/>flows<br/>£m</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Risk<br/>adjustment<br/>for non-<br/>financial<br/>risk<br/>£m</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Contracts<br/>measured<br/>under the<br/>modified<br/>retrospective<br/>approach<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Contracts<br/>measured<br/>under the<br/>fair value<br/>approach<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other<br/>contracts<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(104,545)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,165)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,441)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,769)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,210)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(109,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(104,545)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,165)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,441)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,769)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,210)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(109,920)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to current services</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CSM recognised for services provided</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">130</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">199</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">329</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">329</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in risk adjustment for non-financial risk for risk expired</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Experience adjustments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">99</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">96</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">99</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">129</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">197</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">326</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">509</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to future services</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts initially recognised in the year</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">107</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(86)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(71)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in estimates that adjust the CSM</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">390</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(170)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(208)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(378)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in estimates that result in losses and reversal of losses on onerous contracts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">109</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">129</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">606</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(78)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(170)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(300)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(470)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to past services</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments to liabilities for incurred claims</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service result</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">705</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(41)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(103)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(144)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">567</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance income (expense) from insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,621)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(70)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(63)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,684)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total change in profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10,886)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(32)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(173)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(205)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,085)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premiums received</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,768)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,768)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Claims and other insurance service expenses paid</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,721</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,721</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,156</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,156</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfer to other items in the balance sheet</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(114,209)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,160)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,473)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,942)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,415)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,784)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(114,209)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,159)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,473)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,942)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,415)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,783)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Excluding insurance acquisition assets.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 32: Reconciliation of measurement components of insurance contract balances</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:37.036%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.917%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="39" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="21" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contractual service margin</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Life</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present<br/>value of<br/>future<br/>cash<br/>flows<br/>£m</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Risk<br/>adjustment<br/>for non-<br/>financial<br/>risk<br/>£m</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contracts<br/>measured<br/>under the<br/>modified<br/>retrospective<br/>approach<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contracts<br/>measured<br/>under the<br/>fair value<br/>approach<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>contracts<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">149 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(53)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(67)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(72)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(121,344)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,599)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,359)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(583)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,942)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(124,885)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(121,195)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,652)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,426)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(588)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,014)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(124,861)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to current services</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CSM recognised for services provided</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">123 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">122 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in risk adjustment for non-financial risk for risk expired</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">103 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">103 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Experience adjustments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(189)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(93)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(93)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(282)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(189)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">103 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">123 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">152 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">66 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to future services</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts initially recognised in the year</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,364 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(646)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,793)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,793)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(75)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in estimates that adjust the CSM</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(158)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">603 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(83)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(362)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(445)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in estimates that result in losses and reversal of losses on onerous contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,835)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">424 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,411)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">371 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">381 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(83)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,155)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,238)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,486)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Relating to past services</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments to liabilities for incurred claims</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service result</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">178 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">488 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,126)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,086)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,420)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance income (expense) from insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,055 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(50)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(55)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(105)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,950 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(94)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total change in profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,145 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">487 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,181)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,196)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,436 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premiums received</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,861)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,861)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Claims and other insurance service expenses paid</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,099 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,099 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">438 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">438 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfer to other items in the balance sheet</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(104,545)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,165)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,441)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,769)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,210)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(104,545)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,165)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,441)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,769)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,210)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,920)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Excluding insurance acquisition assets.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Contracts initially recognised in the year, include present value of future cash flows of £2,281 million, risk adjustment of £(551) million and CSM of £(1,730) million relating to contracts that were modified to add a drawdown feature and recognised as new contracts.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The Group derecognised present value of future cash flows of £2,175 million, risk adjustment of £(534) million and CSM of £(399) million relating to contracts that were derecognised due to a contract modification to add a drawdown feature. The amounts derecognised are included within changes in estimates that adjust the CSM and changes that result in losses and reversal of losses on onerous contracts. A loss on contract derecognition modification of £1,242 million arose and was recognised in insurance service expense. Further details are provided in note 10.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 32: Reconciliation of measurement components of insurance contract balances</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group estimates the risk adjustment separately from other components of the fulfilment cash flows using an explicit margins approach such that a confidence level scenario is used to determine the margins to be applied to the best estimate assumptions. The risk adjustment represents the difference in the value of the best estimate cash flows with and without these margins. The risk adjustment is calculated at a policy level. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The confidence level corresponding to the risk adjustment is 90 per cent (2022: 90 per cent). The risk adjustment is calibrated to the value at risk over a one-year time horizon at this confidence level for non-financial risks. This is translated, using statistical approximations, into an equivalent confidence level on a value at risk basis over the expected lifetime of in-force policies of approximately 70 per cent (2022: 70 per cent) at end of the reporting period.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 33: Impacts of insurance and participating investment contracts recognised in the year</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:41.403%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Life</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profitable<br/>contracts<br/>issued<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Onerous<br/>contracts<br/>issued<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Profitable<br/>contracts<br/>issued<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Onerous<br/>contracts<br/>issued<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition cash flows</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">142</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">229</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">85 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">173 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">258 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Claims and other directly attributable expenses</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,450</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">447</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,897</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">82,246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,130 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83,376 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Estimates of the present value of future cash outflows</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,537</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">589</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,126</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">82,331 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,303 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83,634 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Estimates of the present value of future cash inflows</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5,708)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(525)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6,233)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(84,754)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,244)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(85,998)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Risk adjustment for non-financial risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">79</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">86</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">630 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">646 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contractual service margin</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">92</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">92</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Losses recognised on initial recognition</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">71</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">71</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 34: Direct participating contracts</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and cash equivalents</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">103,022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">92,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">154</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,337)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,022)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(416)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(422)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value of underlying items in respect of direct participating contracts</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">101,425</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90,926 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 35: Life business contractual service margin run-off</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table analyses the expected recognition of the contractual service margin (CSM) in profit or loss.</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:23.208%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Less than 1<br/> year<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 2<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2 to 3<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 4<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">5 to 10<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 10<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(106)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(99)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(92)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(87)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(82)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(340)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(708)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,514)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pensions and investments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(186)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(176)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(168)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(157)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(133)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(535)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,088)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,443)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Protection and other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(41)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(37)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(33)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(27)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(104)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(186)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(458)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance and participating investment contracts</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(333)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(312)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(293)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(274)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(242)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(979)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,982)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,415)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contracts held</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">48</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">94</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">221</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(313)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(295)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(278)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(260)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(229)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(931)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,888)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,194)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:23.208%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Less than 1<br/> year<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 2<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 to 3<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 to 4<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 to 10<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Over 10<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(91)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(85)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(79)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(75)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(71)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(297)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(608)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,306)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pensions and investments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(173)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(162)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(153)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(143)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(134)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(564)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,073)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,402)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Protection and other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(41)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(37)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(34)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(32)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(29)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(114)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(215)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(502)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance and participating investment contracts</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(305)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(284)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(266)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(250)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(234)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(975)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,896)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,210)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contracts held</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">96 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">211 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(289)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(269)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(253)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(238)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(222)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(928)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,800)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,999)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Disclosure Of Analysis Of Insurance Revenue Explanatory DisclosureOfAnalysisOfInsuranceRevenueExplanatory	<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:80.704%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.636%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Life</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amounts relating to the changes in liabilities for remaining coverage:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CSM recognised for services provided</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">329</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">245 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in risk adjustments for non-financial risk for risk expired</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">103 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected incurred claims and other insurance services expenses</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,907</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,696 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Charges (credits) to funds in respect of policyholder tax and other</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(228)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,407</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,816 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Recovery of insurance acquisition cash flows</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">86 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total life</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,494</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,902 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-life</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total non-life</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total insurance revenue</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,008</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,461 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 During 2022, acquisition costs of £383 million related to contracts modified and derecognised in the year were excluded from both the amortisation of insurance acquisition cash flows and the recovery of insurance acquisition cash flows as there were no insurance contract services arising from the derecognition upon contract modification.</span></div>
CY2023	ifrs-full	Insurance Revenue InsuranceRevenue	3008000000	gbp
CY2022	ifrs-full	Insurance Revenue InsuranceRevenue	2461000000	gbp
CY2023	ifrs-full	Increase Decrease Through Incurred Claims And Other Incurred Insurance Service Expenses Insurance Contracts Liability Asset IncreaseDecreaseThroughIncurredClaimsAndOtherIncurredInsuranceServiceExpensesInsuranceContractsLiabilityAsset	2345000000	gbp
CY2022	ifrs-full	Increase Decrease Through Incurred Claims And Other Incurred Insurance Service Expenses Insurance Contracts Liability Asset IncreaseDecreaseThroughIncurredClaimsAndOtherIncurredInsuranceServiceExpensesInsuranceContractsLiabilityAsset	2226000000	gbp
CY2023	ifrs-full	Increase Decrease Through Changes That Relate To Past Service Insurance Contracts Liability Asset IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset	3000000	gbp
CY2022	ifrs-full	Increase Decrease Through Changes That Relate To Past Service Insurance Contracts Liability Asset IncreaseDecreaseThroughChangesThatRelateToPastServiceInsuranceContractsLiabilityAsset	57000000	gbp
CY2023	ifrs-full	Increase Decrease Through Changes That Relate To Future Service Insurance Contracts Liability Asset IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset	-59000000	gbp
CY2022	ifrs-full	Increase Decrease Through Changes That Relate To Future Service Insurance Contracts Liability Asset IncreaseDecreaseThroughChangesThatRelateToFutureServiceInsuranceContractsLiabilityAsset	1488000000	gbp
CY2023	ifrs-full	Increase Decrease Through Amortisation Of Insurance Acquisition Cash Flows Insurance Contracts Liability Asset IncreaseDecreaseThroughAmortisationOfInsuranceAcquisitionCashFlowsInsuranceContractsLiabilityAsset	118000000	gbp
CY2022	ifrs-full	Increase Decrease Through Amortisation Of Insurance Acquisition Cash Flows Insurance Contracts Liability Asset IncreaseDecreaseThroughAmortisationOfInsuranceAcquisitionCashFlowsInsuranceContractsLiabilityAsset	78000000	gbp
CY2023	lyg	Increase Decrease Through Net Impairment Loss On Insurance Acquisition Assets IncreaseDecreaseThroughNetImpairmentLossOnInsuranceAcquisitionAssets	7000000	gbp
CY2022	lyg	Increase Decrease Through Net Impairment Loss On Insurance Acquisition Assets IncreaseDecreaseThroughNetImpairmentLossOnInsuranceAcquisitionAssets	14000000	gbp
CY2023	ifrs-full	Insurance Service Expenses From Insurance Contracts Issued InsuranceServiceExpensesFromInsuranceContractsIssued	2414000000	gbp
CY2022	ifrs-full	Insurance Service Expenses From Insurance Contracts Issued InsuranceServiceExpensesFromInsuranceContractsIssued	3863000000	gbp
CY2023	ifrs-full	Disclosure Of Other Operating Income Expense Explanatory DisclosureOfOtherOperatingIncomeExpenseExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 11: Other operating income</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.243%"><tr><td style="width:1.0%"></td><td style="width:71.040%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.697%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.533%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.697%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.533%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.700%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,383</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,077 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,059 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rental income from investment properties (note 27)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">146</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net gains (losses) on disposal of financial assets at fair value through other comprehensive<br/>income (note 43)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">122</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">92 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liability management</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share of results of joint ventures and associates</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(16)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total other operating income</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,631</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,339 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,172 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div>
CY2023	ifrs-full	Disclosure Of Other Operating Income Explanatory DisclosureOfOtherOperatingIncomeExplanatory	<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.243%"><tr><td style="width:1.0%"></td><td style="width:71.040%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.697%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.533%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.697%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.533%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.700%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,383</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,077 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,059 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rental income from investment properties (note 27)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">146</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net gains (losses) on disposal of financial assets at fair value through other comprehensive<br/>income (note 43)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">122</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">92 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liability management</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share of results of joint ventures and associates</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(16)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total other operating income</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,631</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,339 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,172 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div>
CY2023	ifrs-full	Disclosure Of Claims And Benefits Paid Explanatory DisclosureOfClaimsAndBenefitsPaidExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 12: Insurance claims</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:89.438%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Life insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deaths</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(790)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Maturities including surrenders</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,915)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,194)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(164)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross claims and surrenders</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9,063)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in insurance and participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7,474)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(16,537)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-participating investment contracts</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in non-participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,581)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(21,118)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurers’ share</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">285 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,833)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in unallocated surplus</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total life insurance and investment contracts</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,798)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-life insurance</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total non-life insurance claims, net of reinsurance</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(322)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(21,120)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reinsurers’ share comprises a charge of £5 million in respect of contracts classified as financial assets at fair value through profit or loss and a credit of £290 million in respect of contracts classified as reinsurance contracts.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Total non-life insurance claims, net of reinsurance, in 2021 included weather-related claims of £30 million, of which £11 million was related to severe weather events.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Amounts recognised in the balance sheet</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retirement benefit assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,624</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,823 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retirement benefit obligations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(136)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(126)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total amounts recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,488</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,697 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The total amounts recognised in the balance sheet relate to:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Defined benefit pension schemes</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,532</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,732 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other retirement benefit schemes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(44)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(35)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total amounts recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,488</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,697 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The (credit) expense recognised in the income statement for the year ended 31 December comprises: </span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">213 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net interest amount</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(208)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(95)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(29)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Past service cost – plan amendments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Plan administration costs incurred during the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total defined benefit pension (credit) expense</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(80)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">123 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">234 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unquoted<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unquoted<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt instruments</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed interest government bonds</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,657</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,657</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,007 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,007 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Index-linked government bonds</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,105</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,105</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,497 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,497 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,305</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,305</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,978 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,978 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29,071</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29,071</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,482 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,482 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pooled investment vehicles</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">613</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,361</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,974</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,730 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,863 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,593 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">97</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">97</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">116 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">116 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">62</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">85</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Money market instruments, cash, derivatives and other assets and liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">466</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,960)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,494)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,069 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9,617)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,548)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30,173</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,560</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33,733</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,288 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,409 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,697 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Of the total debt instruments, £26,777 million (2022: £20,369 million) were investment grade (credit ratings equal to or better than ‘BBB’).</span></div>
CY2023	lyg	Net Finance Expense Income From Insurance And Reinsurance Contracts Held NetFinanceExpenseIncomeFromInsuranceAndReinsuranceContractsHeld	-11684000000	gbp
CY2022	lyg	Net Finance Expense Income From Insurance And Reinsurance Contracts Held NetFinanceExpenseIncomeFromInsuranceAndReinsuranceContractsHeld	15893000000	gbp
CY2023	lyg	Income Expense From Unit Linked And With Profit Contracts Variable Fee Approach IncomeExpenseFromUnitLinkedAndWithProfitContractsVariableFeeApproach	10200000000	gbp
CY2022	lyg	Income Expense From Unit Linked And With Profit Contracts Variable Fee Approach IncomeExpenseFromUnitLinkedAndWithProfitContractsVariableFeeApproach	-11081000000	gbp
CY2023	ifrs-full	Disclosure Of Expenses Explanatory DisclosureOfExpensesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 14: Operating expenses</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Staff costs:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Salaries and social security costs</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,651</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,310 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,048 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pensions and other retirement benefit schemes (note 16)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">455 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">538 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Restructuring and other staff costs</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">487</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">307 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">299 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,493</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,072 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,885 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premises and equipment costs</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">332 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">261 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Depreciation and amortisation</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,905</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,396 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,825 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other expenses:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">150</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">148 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">132 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Regulatory and legal provisions (note 38)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">675</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,300 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,720</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,556 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,397 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,545</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,959 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,829 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Operating expenses before adjustment for:</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,392</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,759 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,800 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amounts attributable to the acquisition of insurance and participating investment contracts</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(183)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(168)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amounts reported within insurance service expenses</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(386)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(354)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total operating expenses</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,823</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,237 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,800 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Including social security costs of £371 million (2022: £341 million; 2021: £308 million).</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Net of profits on disposal of operating lease assets of £93 million (2022: £197 million; 2021: £249 million).</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Including depreciation in respect of premises £110 million (2022: £114 million; 2021: £123 million), equipment £388 million (2022: £561 million; 2021: £779 million), operating lease assets £1,070 million (2022: £570 million; 2021: £709 million) and right-of-use assets £209 million (2022: £226 million; 2021: £228 million).</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Average headcount</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The average number of persons on a headcount basis employed by the Group during the year was as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">65,390</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62,587</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">64,250</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Overseas</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">807</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">785</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">826</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66,197</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63,372</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65,076</span></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 14: Operating expenses </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Performance-based compensation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The tables below analyse the Group’s performance-based compensation costs between those relating to the current performance year and those relating to earlier years.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:41.403%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Performance-based<br/>compensation expense</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Performance-based compensation expense<br/>deferred until later years</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Awards made in respect of the year ended 31 December</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">316</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">349 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">313 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">108</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">128 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Awards made in respect of earlier years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">124</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">109 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">440</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">458 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">335 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">130</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">148 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">132 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Performance-based awards expensed in 2023 include cash awards amounting to £169 million (2022: £144 million; 2021: £134 million).</span></div>
CY2023	ifrs-full	Disclosure Of Other Operating Expense Explanatory DisclosureOfOtherOperatingExpenseExplanatory	<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Staff costs:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Salaries and social security costs</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,651</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,310 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,048 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pensions and other retirement benefit schemes (note 16)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">455 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">538 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Restructuring and other staff costs</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">487</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">307 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">299 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,493</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,072 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,885 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premises and equipment costs</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">332 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">261 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Depreciation and amortisation</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,905</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,396 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,825 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other expenses:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">150</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">148 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">132 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Regulatory and legal provisions (note 38)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">675</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,300 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,720</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,556 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,397 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,545</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,959 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,829 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Operating expenses before adjustment for:</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,392</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,759 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,800 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amounts attributable to the acquisition of insurance and participating investment contracts</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(183)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(168)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amounts reported within insurance service expenses</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(386)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(354)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total operating expenses</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,823</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,237 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,800 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Including social security costs of £371 million (2022: £341 million; 2021: £308 million).</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Net of profits on disposal of operating lease assets of £93 million (2022: £197 million; 2021: £249 million).</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Including depreciation in respect of premises £110 million (2022: £114 million; 2021: £123 million), equipment £388 million (2022: £561 million; 2021: £779 million), operating lease assets £1,070 million (2022: £570 million; 2021: £709 million) and right-of-use assets £209 million (2022: £226 million; 2021: £228 million).</span></div>
CY2023	ifrs-full	Shortterm Employee Benefits Expense ShorttermEmployeeBenefitsExpense	3651000000	gbp
CY2022	ifrs-full	Shortterm Employee Benefits Expense ShorttermEmployeeBenefitsExpense	3310000000	gbp
CY2021	ifrs-full	Shortterm Employee Benefits Expense ShorttermEmployeeBenefitsExpense	3048000000	gbp
CY2023	lyg	Pensions And Other Post Retirement Benefit Schemes PensionsAndOtherPostRetirementBenefitSchemes	355000000	gbp
CY2022	lyg	Pensions And Other Post Retirement Benefit Schemes PensionsAndOtherPostRetirementBenefitSchemes	455000000	gbp
CY2021	lyg	Pensions And Other Post Retirement Benefit Schemes PensionsAndOtherPostRetirementBenefitSchemes	538000000	gbp
CY2023	lyg	Restructuring And Other Staff Costs RestructuringAndOtherStaffCosts	487000000	gbp
CY2022	lyg	Restructuring And Other Staff Costs RestructuringAndOtherStaffCosts	307000000	gbp
CY2021	lyg	Restructuring And Other Staff Costs RestructuringAndOtherStaffCosts	299000000	gbp
CY2023	ifrs-full	Employee Benefits Expense EmployeeBenefitsExpense	4493000000	gbp
CY2022	ifrs-full	Employee Benefits Expense EmployeeBenefitsExpense	4072000000	gbp
CY2021	ifrs-full	Employee Benefits Expense EmployeeBenefitsExpense	3885000000	gbp
CY2023	lyg	Premises And Equipment Cost PremisesAndEquipmentCost	449000000	gbp
CY2022	lyg	Premises And Equipment Cost PremisesAndEquipmentCost	332000000	gbp
CY2021	lyg	Premises And Equipment Cost PremisesAndEquipmentCost	261000000	gbp
CY2023	ifrs-full	Depreciation And Amortisation Expense DepreciationAndAmortisationExpense	2905000000	gbp
CY2022	ifrs-full	Depreciation And Amortisation Expense DepreciationAndAmortisationExpense	2396000000	gbp
CY2021	ifrs-full	Depreciation And Amortisation Expense DepreciationAndAmortisationExpense	2825000000	gbp
CY2023	lyg	Uk Bank Levy UKBankLevy	150000000	gbp
CY2022	lyg	Uk Bank Levy UKBankLevy	148000000	gbp
CY2021	lyg	Uk Bank Levy UKBankLevy	132000000	gbp
CY2023	lyg	Legal And Regulatory Expense LegalAndRegulatoryExpense	675000000	gbp
CY2022	lyg	Legal And Regulatory Expense LegalAndRegulatoryExpense	255000000	gbp
CY2021	lyg	Legal And Regulatory Expense LegalAndRegulatoryExpense	1300000000	gbp
CY2023	ifrs-full	Miscellaneous Other Operating Expense MiscellaneousOtherOperatingExpense	2720000000	gbp
CY2022	ifrs-full	Miscellaneous Other Operating Expense MiscellaneousOtherOperatingExpense	2556000000	gbp
CY2021	ifrs-full	Miscellaneous Other Operating Expense MiscellaneousOtherOperatingExpense	2397000000	gbp
CY2023	ifrs-full	Other Expense By Nature OtherExpenseByNature	3545000000	gbp
CY2022	ifrs-full	Other Expense By Nature OtherExpenseByNature	2959000000	gbp
CY2021	ifrs-full	Other Expense By Nature OtherExpenseByNature	3829000000	gbp
CY2023	lyg	Operating Expense Before Adjustment For Insurance Contracts OperatingExpenseBeforeAdjustmentForInsuranceContracts	11392000000	gbp
CY2022	lyg	Operating Expense Before Adjustment For Insurance Contracts OperatingExpenseBeforeAdjustmentForInsuranceContracts	9759000000	gbp
CY2021	lyg	Operating Expense Before Adjustment For Insurance Contracts OperatingExpenseBeforeAdjustmentForInsuranceContracts	10800000000	gbp
CY2023	lyg	Operating Expenses Amounts Attributable To The Acquisition Of Insurance And Participating Investment Contracts OperatingExpensesAmountsAttributableToTheAcquisitionOfInsuranceAndParticipatingInvestmentContracts	-183000000	gbp
CY2022	lyg	Operating Expenses Amounts Attributable To The Acquisition Of Insurance And Participating Investment Contracts OperatingExpensesAmountsAttributableToTheAcquisitionOfInsuranceAndParticipatingInvestmentContracts	-168000000	gbp
CY2023	lyg	Operating Expense Amounts Reported In Insurance Service Expenses OperatingExpenseAmountsReportedInInsuranceServiceExpenses	-386000000	gbp
CY2022	lyg	Operating Expense Amounts Reported In Insurance Service Expenses OperatingExpenseAmountsReportedInInsuranceServiceExpenses	-354000000	gbp
CY2023	ifrs-full	Operating Expense OperatingExpense	10823000000	gbp
CY2022	ifrs-full	Operating Expense OperatingExpense	9237000000	gbp
CY2021	ifrs-full	Operating Expense OperatingExpense	10800000000	gbp
CY2023	ifrs-full	Social Security Contributions SocialSecurityContributions	371000000	gbp
CY2022	ifrs-full	Social Security Contributions SocialSecurityContributions	341000000	gbp
CY2021	ifrs-full	Social Security Contributions SocialSecurityContributions	308000000	gbp
CY2023	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases1 GainLossOnSaleOfLeasedAssetsNetOperatingLeases1	93000000	gbp
CY2022	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases1 GainLossOnSaleOfLeasedAssetsNetOperatingLeases1	197000000	gbp
CY2021	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases1 GainLossOnSaleOfLeasedAssetsNetOperatingLeases1	249000000	gbp
CY2023	ifrs-full	Disclosure Of Information About Employees Explanatory DisclosureOfInformationAboutEmployeesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The average number of persons on a headcount basis employed by the Group during the year was as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">65,390</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62,587</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">64,250</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Overseas</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">807</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">785</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">826</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66,197</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63,372</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65,076</span></td></tr></table></div>
CY2023	ifrs-full	Average Number Of Employees AverageNumberOfEmployees	66197
CY2022	ifrs-full	Average Number Of Employees AverageNumberOfEmployees	63372
CY2021	ifrs-full	Average Number Of Employees AverageNumberOfEmployees	65076
CY2023Q4	lyg	Performance Based Cash Awards PerformanceBasedCashAwards	169000000	gbp
CY2022Q4	lyg	Performance Based Cash Awards PerformanceBasedCashAwards	144000000	gbp
CY2021Q4	lyg	Performance Based Cash Awards PerformanceBasedCashAwards	134000000	gbp
CY2023	ifrs-full	Disclosure Of Sharebased Payment Arrangements Explanatory DisclosureOfSharebasedPaymentArrangementsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 15: Share-based payments</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Charge to the income statement</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The charge to the income statement is set out below:</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred bonus plan</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">241</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">179 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Executive and SAYE plans:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Options granted in the year</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Options granted in prior years</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">59</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share plans:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Shares granted in the year</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Shares granted in prior years</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total charge to the income statement</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">328</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">376 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">268 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Share-based payments impacted by partial consolidation of Group Performance Share into basic salary during 2023.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">During the year ended 31 December 2023 the Group operated the following share-based payment schemes, all of which are mainly equity settled.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Group Performance Share plan</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group operates a Group Performance Share plan that is part equity settled. Bonuses in respect of employee service in 2023 have been recognised in the charge in line with the proportion of the deferral period completed.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Save-As-You-Earn schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Eligible employees may enter into contracts through the Save-As-You-Earn (SAYE) schemes to save up to £500 per month and, at the expiry of a fixed term of three years, have the option to use these savings within six months of the expiry of the fixed term to acquire shares in the Group at a discounted price of no less than 90 per cent of the market price at the start of the invitation period.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Movements in the number of share options outstanding under the SAYE schemes are set out below:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:51.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.549%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number<br/>of options</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Weighted<br/>average<br/>exercise price<br/>(pence)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number<br/>of options</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted<br/>average<br/>exercise price<br/>(pence)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,256,918,075</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31.30</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,180,563,291</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30.63 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Granted</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">287,984,574</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38.55</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">217,611,519</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39.38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exercised</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(164,709,399)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38.55</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(23,359,526)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37.75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forfeited</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12,862,726)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31.78</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,961,259)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29.20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cancelled</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(45,807,000)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37.65</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(47,687,607)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33.88 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expired</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10,318,376)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(49,248,343)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46.29 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,311,205,148</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31.70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,256,918,075</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31.30 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Exercisable at 31 December</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">410,368</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39.87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">263,302</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47.92 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The weighted average share price at the time that the options were exercised during 2023 was £0.48 (2022: £0.49). The weighted average remaining contractual life of options outstanding at the end of the year was 1.58 years (2022: 1.88 years).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The weighted average fair value of SAYE options granted during 2023 was £0.09 (2022: £0.07). The fair values of the SAYE options have been determined using a standard Black-Scholes model.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 15: Share-based payments</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Other share option plans</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Executive Share Plans - buyout and retention awards</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Share options may be granted to senior employees under the Lloyds Banking Group Executive Share Plan 2003, Lloyds Banking Group Executive Group Ownership Share Plan and Deferred Bonus Scheme 2021 specifically to facilitate recruitment (to compensate new recruits for any lost share awards), and also to make grants to key individuals for retention purposes. In some instances, grants may be made subject to individual performance conditions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Participants are not entitled to any dividends paid during the vesting period.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:56.541%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.234%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.234%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.818%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.234%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.239%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number<br/>of options</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Weighted<br/>average<br/>exercise price<br/>(pence)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number<br/>of options</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted<br/>average<br/>exercise price<br/>(pence)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,466,471</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,032,762</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Granted</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,198,717</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,278,224</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exercised</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8,739,497)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,333,322)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Vested</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(765,247)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">–</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forfeited</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8,216)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(33,409)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lapsed</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(20,973)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(477,784)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">26,131,255</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20,466,471</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Exercisable at 31 December</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,148,770</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,638,202</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Nil</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The weighted average fair value of options granted in the year was £0.41 (2022: £0.44). The fair values of options granted have been determined using a standard Black-Scholes model. The weighted average share price at the time that the options were exercised during 2023 was £0.46 (2022: £0.46). The weighted average remaining contractual life of options outstanding at the end of the year was 6.3 years (2022: 6.0 years).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Included in the above are awards to the Group Chief Executive.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">William Chalmers joined the Group on 3 June 2019 and was appointed as Chief Financial Officer on 1 August 2019. He was granted deferred share awards over 4,086,632 shares, to replace unvested awards from his former employer, Morgan Stanley, that were forfeited as a result of him joining the Group. The final tranche was exercised in 2022 and no options were outstanding for 2023.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">of shares</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">686,085</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exercised</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(686,085)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">–</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Charlie Nunn joined the Group on 16 August 2021 as Group Chief Executive. He was granted deferred share awards over 8,301,708 shares to replace unvested awards from his former employer, HSBC, that were forfeited as a result of him joining the Group.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">of shares</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,585,447</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,444,787</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exercised</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,247,548)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(859,340)</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,337,899</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,585,447</span></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Other share plans</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Lloyds Banking Group Executive Group Ownership Share Plan</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The plan, introduced in 2006, is aimed at delivering shareholder value by linking the receipt of shares to an improvement in the performance of the Group over a <span style="-sec-ix-hidden:f-2043">three</span>-year period. Awards are made within limits set by the rules of the plan, with the limits determining the maximum number of shares that can be awarded equating to three times annual salary. In exceptional circumstances this may increase to four times annual salary.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At the end of the performance period for the 2021 grant, the targets had not been fully met and therefore these awards vested in 2023 at a rate of 43.70 per cent.<br/>The Executive Group Ownership awards were replaced by Long Term Share Plan awards in 2021.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:78.230%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.234%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.236%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">of shares</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">202,394,509</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">350,873,627</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Vested</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(66,555,435)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(50,703,778)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forfeited</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(96,034,781)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(98,741,356)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Dividend award</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">966,016</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39,804,293</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">202,394,509</span></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 15: Share-based payments</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Lloyds Banking Group Long Term Share Plan</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The plan, introduced in 2021, replaced the Executive Group Ownership Share Plan and is intended to provide alignment to the Group’s aim of delivering sustainable returns to shareholders, supported by its values and behaviours.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The awards in respect of the 2021 grant are due to vest in 2024 at a rate of 100 per cent.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:78.230%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.234%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.236%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">of shares</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">171,947,743</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77,883,068</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Granted</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">108,551,439</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">108,513,202</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Forfeited</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(18,089,793)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14,448,527)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">262,409,389</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">171,947,743</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The weighted average fair value of awards granted in the year was £0.42 (2022: £0.36).</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Assumptions at 31 December 2023</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair value calculations at 31 December 2023 for grants made in the year, using Black-Scholes models and Monte Carlo simulation, are based on the following assumptions:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">SAYE</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Executive<br/>Share Plans</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Long Term Share Plan</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted average risk-free interest rate</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.52%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.36%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.71%</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted average expected life</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.3 years</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.9 years</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.6 years</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted average expected volatility</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">34%</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted average expected dividend yield</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.0%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.0%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.0%</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted average share price</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£0.44</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£0.46</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£0.52</span></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted average exercise price</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£0.39</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Expected volatility is a measure of the amount by which the Group’s shares are expected to fluctuate during the life of an option. The expected volatility is estimated based on the historical volatility of the closing daily share price over the most recent period that is commensurate with the expected life of the option. The historical volatility is compared to the implied volatility generated from market traded options in the Group’s shares to assess the reasonableness of the historical volatility and adjustments made where appropriate.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Share Incentive Plans</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Matching shares</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group undertakes to match shares purchased by employees up to the value of £45 per month; these matching shares are held in trust for a mandatory period of three years on the employee’s behalf, during which period the employee is entitled to any dividends paid on such shares. The award is subject to a non-market based condition: if an employee leaves within this <span style="-sec-ix-hidden:f-2089">three</span>-year period for other than a ‘good’ reason, all of the matching shares are forfeited. Similarly, if the employees sell their purchased shares within three years, their matching shares are forfeited.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The number of shares awarded relating to matching shares in 2023 was 43,945,238 (2022: 43,378,504), with an average fair value of £0.46 (2022: £0.45), based on market prices at the date of award.</span></div><div style="margin-bottom:1pt"><span id="iff00c74c8d7f4b16a81e3306b13c7c78_445"></span><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Fixed share awards</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Fixed share awards were introduced in 2014 in order to ensure that total fixed remuneration is commensurate with role and to provide a competitive reward package for certain Lloyds Banking Group employees, with an appropriate balance of fixed and variable remuneration, in line with regulatory requirements. The fixed share awards are delivered in Lloyds Banking Group plc shares, and were initially released over <span style="-sec-ix-hidden:f-2095">five</span> years with 20 per cent being released each year following the year of award. From June 2020, the fixed share awards are released over <span style="-sec-ix-hidden:f-2097">three</span> years with one third being released each year following the year of award. The number of shares purchased in relation to fixed share awards in 2023 was 1,790,243 (2022: 7,261,080) with an average fair value of £0.46 (2022: £0.47) based on market prices at the date of the award.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fixed share award is not subject to any performance conditions, performance adjustment or clawback. On an employee leaving the Group, there is no change to the timeline for which shares will become unrestricted.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Since the beginning of 2023 the number of recipients of these awards has been reduced to the executive directors only.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Free shares</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">An award of shares may be made annually to employees up to a maximum of £3,600. The shares awarded are held in trust for a mandatory period of <span style="-sec-ix-hidden:f-2103">three</span> years on the employee’s behalf, during which period the employee is entitled to any dividends paid on such shares. The award is subject to a non-market based condition. If an employee leaves the Group within this <span style="-sec-ix-hidden:f-2104">three</span>-year period for other than a ‘good’ reason, all of the shares awarded will be forfeited.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">There have not been any awards made since 2021.</span></div>
CY2023	lyg	Deferred Employee Bonus Plan Expense DeferredEmployeeBonusPlanExpense	241000000	gbp
CY2022	lyg	Deferred Employee Bonus Plan Expense DeferredEmployeeBonusPlanExpense	289000000	gbp
CY2021	lyg	Deferred Employee Bonus Plan Expense DeferredEmployeeBonusPlanExpense	179000000	gbp
CY2023	lyg	Executive And Saye Employee Share Plans Total Expense ExecutiveAndSAYEEmployeeSharePlansTotalExpense	59000000	gbp
CY2022	lyg	Executive And Saye Employee Share Plans Total Expense ExecutiveAndSAYEEmployeeSharePlansTotalExpense	52000000	gbp
CY2021	lyg	Executive And Saye Employee Share Plans Total Expense ExecutiveAndSAYEEmployeeSharePlansTotalExpense	47000000	gbp
CY2023	lyg	Other Employee Share Plans Total Expense OtherEmployeeSharePlansTotalExpense	28000000	gbp
CY2022	lyg	Other Employee Share Plans Total Expense OtherEmployeeSharePlansTotalExpense	35000000	gbp
CY2021	lyg	Other Employee Share Plans Total Expense OtherEmployeeSharePlansTotalExpense	42000000	gbp
CY2023	ifrs-full	Expense From Sharebased Payment Transactions With Employees ExpenseFromSharebasedPaymentTransactionsWithEmployees	328000000	gbp
CY2022	ifrs-full	Expense From Sharebased Payment Transactions With Employees ExpenseFromSharebasedPaymentTransactionsWithEmployees	376000000	gbp
CY2021	ifrs-full	Expense From Sharebased Payment Transactions With Employees ExpenseFromSharebasedPaymentTransactionsWithEmployees	268000000	gbp
CY2023	ifrs-full	Disclosure Of Employee Benefits Explanatory DisclosureOfEmployeeBenefitsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 16: Retirement benefit obligations</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Critical accounting judgements and key sources of estimation uncertainty</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:28.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:69.788%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Key sources of estimation uncertainty:</span></td><td colspan="3" style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discount rate applied to future cash flows</span></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected lifetime of the schemes’ members</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-right:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected rate of future inflationary increases</span></td></tr></table></div><div><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:120%">The net asset recognised in the balance sheet at 31 December 2023 in respect of the Group’s defined benefit pension scheme obligations was £3,532 million, comprising an asset of £3,624 million and a liability of £92 million (2022: a net asset of £3,732 million comprising an asset of £3,823 million and a liability of £91 million). The Group’s accounting policy for its defined benefit pension scheme obligations is set out in note 2(K).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Income statement and balance sheet sensitivities to changes in the key sources of estimation uncertainty and other actuarial assumptions are provided in part (v).</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(Credit) charge to the income statement</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Defined benefit pension schemes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(80)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">123 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">234 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other retirement benefit schemes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total defined benefit schemes</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(79)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">125 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">236 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Defined contribution pension schemes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">434</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">330 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">302 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total charge to the income statement (note 14)</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">455 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">538 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Amounts recognised in the balance sheet</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retirement benefit assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,624</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,823 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retirement benefit obligations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(136)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(126)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total amounts recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,488</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,697 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The total amounts recognised in the balance sheet relate to:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Defined benefit pension schemes</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,532</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,732 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other retirement benefit schemes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(44)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(35)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total amounts recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,488</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,697 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Pension schemes</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Defined benefit schemes</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(i) Characteristics of and risks associated with the Group’s schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has established a number of defined benefit pension schemes in the UK and overseas. All significant schemes are based in the UK, with the three most significant being the main sections of the Lloyds Bank Pension Scheme No. 1, the Lloyds Bank Pension Scheme No. 2 and the HBOS Final Salary Pension Scheme. At 31 December 2023, these schemes represented 94 per cent of the Group’s total gross defined benefit pension assets (2022: 94 per cent). These schemes provide retirement benefits calculated as a proportion of final pensionable salary depending upon the length of pensionable service; the minimum retirement age under the rules of the schemes at 31 December 2023 is generally 55, although certain categories of member are deemed to have a protected right to retire at 50.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group operates both funded and unfunded pension arrangements; the majority, including the three most significant schemes, are funded schemes in the UK. All of these UK funded schemes are operated as separate legal entities under trust law, are in compliance with the Pensions Act 2004 and are managed by a Trustee Board (the Trustee) whose role is to ensure that their scheme is administered in accordance with the scheme rules and relevant legislation, and to safeguard the assets in the best interests of all members and beneficiaries. The Trustee is solely responsible for setting investment policy and for agreeing funding requirements with the employer through the funding valuation process. The Board of Trustees must be composed of representatives of the scheme membership along with a combination of independent and employer appointed trustees to comply with legislation and scheme rules.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A valuation to determine the funding status of each scheme is carried out at least every three years, whereby scheme assets are measured at market value and liabilities (technical provisions) are measured using prudent assumptions. If a deficit is identified a recovery plan is agreed between the employer and the scheme Trustee and sent to the Pensions Regulator for review. The Group does not provide for these deficit contributions as the future economic benefits arising from these contributions are expected to be available to the Group. The Group’s overseas defined benefit pension schemes are subject to local regulatory arrangements.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has completed the triennial valuation of its main defined benefit pension schemes as at 31 December 2022. Following a fixed contribution of £800 million in the first half of 2023, a residual aggregate deficit of £250 million was agreed with the Trustee which the Group paid in December 2023. There will be no further deficit contributions, fixed or variable, for this triennial period (to 31 December 2025).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The deficit contributions are in addition to the regular contributions to meet benefits accruing over the year, and to cover the expenses of running the schemes. The Group expects to pay contributions of at least £0.1 billion to its defined benefit schemes in 2024.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 16: Retirement benefit obligations</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">During 2009, the Group made one-off contributions to the Lloyds Bank Pension Scheme No. 1 and Lloyds Bank Pension Scheme No. 2 in the form of interests in limited liability partnerships for each of the two schemes which hold assets to provide security for the Group’s obligations to the two schemes. At 31 December 2023, the limited liability partnerships held assets of £6.2 billion. The limited liability partnerships are consolidated fully in the Group’s balance sheet.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has also established three private limited companies which hold assets to provide security for the Group’s obligations to the HBOS Final Salary Pension Scheme, a section of the Lloyds Bank Pension Scheme No. 1 and the Lloyds Bank Offshore Pension Scheme. At 31 December 2023 these held assets of £4.1 billion in aggregate. The private limited companies are consolidated fully in the Group’s balance sheet. The terms of these arrangements require the Group to maintain assets in these vehicles to agreed minimum values in order to secure obligations owed to the relevant Group pension schemes. The Group has satisfied this requirement during 2023.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The last funding valuations of other Group schemes were carried out on a number of different dates. In order to report the position under IAS 19 as at 31 December 2023, the most recent valuation results for all schemes have been updated by qualified independent actuaries. The funding valuations use a more prudent approach to setting the discount rate and more conservative longevity and inflation assumptions than the IAS 19 valuations.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In a judgment in 2018, the High Court confirmed the requirement to equalise the Guaranteed Minimum Pension (GMP) benefits of men and women accruing between 1990 and 1997 from contracting out of the State Earnings Related Pension Scheme. The Group recognised a past service cost of £108 million in respect of equalisation in 2018 and, following agreement of the detailed implementation approach with the Trustee, a further £33 million was recognised in 2019. A further hearing was held during 2020 which confirmed the extent of the Trustee’s obligation to revisit past transfers out of the schemes. The amount of any additional liability as a result of this judgment is not considered likely to be material.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group is aware of the High Court ruling in the case of Virgin Media Ltd v NTL Pension Trustees II Ltd & Ors and is waiting for the outcome of the appeal, scheduled for 25 June 2024, and any additional hearings, as well as confirmation from the Government as to whether it will issue new regulations in response to this issue.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(ii) Amounts in the financial statements</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Amount included in the balance sheet</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Present value of funded obligations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30,201)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(28,965)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value of scheme assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33,733</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,697 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net amount recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,532</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,732 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net amount recognised in the balance sheet</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,732</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,404 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net defined benefit pension credit (charge)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(123)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Actuarial (losses) gains on defined benefit obligation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,304)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,222 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Return on plan assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(318)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,302)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,342</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,530 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,532</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,732 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Movements in the defined benefit obligation</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(28,965)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(47,130)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(180)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,394)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(902)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Remeasurements:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Actuarial gains – demographic assumptions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">288 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Actuarial losses – experience</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,067)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,186)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Actuarial (losses) gains – financial assumptions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(390)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,120 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Benefits paid</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,544</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,048 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Past service cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(32)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30,201)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(28,965)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 16: Retirement benefit obligations</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Analysis of the defined benefit obligation</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Active members</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,955)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,088)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred members</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8,438)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,515)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Dependants</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,572)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,349)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pensioners</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(17,236)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(16,013)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30,201)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(28,965)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Changes in the fair value of scheme assets</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32,697</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51,534 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Return on plan assets excluding amounts included in interest income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(318)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,302)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,602</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">997 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,342</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,530 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Benefits paid</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,544)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,048)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Administrative costs paid</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(35)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(34)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33,733</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,697 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The (credit) expense recognised in the income statement for the year ended 31 December comprises: </span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">213 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net interest amount</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(208)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(95)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(29)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Past service cost – plan amendments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Plan administration costs incurred during the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total defined benefit pension (credit) expense</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(80)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">123 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">234 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(iii) Composition of scheme assets</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unquoted<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unquoted<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt instruments</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed interest government bonds</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,657</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,657</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,007 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,007 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Index-linked government bonds</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,105</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,105</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,497 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,497 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,305</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,305</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,978 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,978 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29,071</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29,071</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,482 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,482 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pooled investment vehicles</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">613</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,361</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,974</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,730 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,863 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,593 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">97</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">97</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">116 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">116 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">62</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">85</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Money market instruments, cash, derivatives and other assets and liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">466</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,960)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,494)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,069 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9,617)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,548)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30,173</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,560</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33,733</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,288 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,409 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,697 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Of the total debt instruments, £26,777 million (2022: £20,369 million) were investment grade (credit ratings equal to or better than ‘BBB’).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The assets of all of the funded plans are held independently of the Group’s assets in separate trustee-administered funds.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 16: Retirement benefit obligations</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The pension schemes’ pooled investment vehicles comprise:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Alternative credit funds</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,962</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,222 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Bond and debt funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">571</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">354 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,674</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,421 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedge and mutual funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">808</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">240 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Infrastructure funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,147</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,193 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liquidity funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,585</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,527 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,227</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,604 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,974</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,593 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Trustee’s approach to investment is focused on acting in the members’ best financial interests, with the integration of ESG </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">(environmental, social and governance)</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%"> considerations into investment management processes and practices. This policy is reviewed annually (or more frequently as required) and has been shared with the schemes’ investment managers for implementation.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Climate change is one of the risks the schemes manage given its potential financial impact on valuation of assets.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(iv) Assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The principal actuarial and financial assumptions used in valuations of the defined benefit pension schemes were as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.93 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rate of inflation:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail Price Index (RPI)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.96</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Consumer Price Index (CPI)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.47</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.69 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rate of salary increases</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.00</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted average rate of increase for pensions in payment</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.73</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.84 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On 25 November 2020 the Chancellor of the Exchequer announced the outcome of a consultation into a reform of the calculation of RPI. It is now expected that from 2030 RPI will be aligned with CPIH (the Consumer Price Index including owner occupiers’ housing costs). To determine the RPI assumption a term-dependent inflation curve has been used adjusting for an assumed inflation risk premium. A gap of 130 basis points has been assumed between RPI and CPI in 2024 reducing to 120 basis points in 2025, 110 basis points in 2026 and 100 basis points from 2027 to 2030; thereafter a 10 basis point gap has been assumed.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:60.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Men</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Women</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Years</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Years</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Life expectancy for member aged 60, on the valuation date</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">26.7</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26.7</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28.7</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28.8</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Life expectancy for member aged 60, 15 years after the valuation date</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27.8</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27.8</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29.8</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30.0</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The mortality assumptions used in the UK scheme valuations are based on standard tables published by the Institute and Faculty of Actuaries which were adjusted in line with the actual experience of the relevant schemes. The table shows that a member retiring at age 60 at 31 December 2023 is assumed to live for, on average, 26.7 years for a male and 28.7 years for a female. In practice there will be much variation between individual members but these assumptions are expected to be appropriate across all members. It is assumed that younger members will live longer in retirement than those retiring now. This reflects the expectation that mortality rates will continue to fall over time as medical science and standards of living improve. To illustrate the degree of improvement assumed, the table also shows the life expectancy for members aged 45 now, when they retire in 15 years time at age 60. The Group uses the CMI mortality projections model and in line with actuarial industry recommendations has placed no weight on 2020 and 2021 mortality experience and 25 per cent weight on 2022 mortality experience. </span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">(v) Amount, timing and uncertainty of future cash flows</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Risk exposure of the defined benefit schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">While the Group is not exposed to any unusual, entity-specific or scheme-specific risks in its defined benefit pension schemes, it is exposed to a number of significant risks, detailed below:</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">Inflation rate risk:</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%"> The majority of the plans’ benefit obligations are linked to inflation both in deferment and once in payment. Higher inflation will lead to higher liabilities although this will be materially offset by holdings of inflation-linked gilts and, in most cases, caps on the level of inflationary increases are in place to protect against extreme inflation.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">Interest rate risk:</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%"> The defined benefit obligation is determined using a discount rate derived from yields on AA-rated corporate bonds. A decrease in corporate bond yields will increase plan liabilities although this will be materially offset by an increase in the value of bond holdings and through the use of derivatives.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 16: Retirement benefit obligations</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">Longevity risk:</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%"> The majority of the schemes’ obligations are to provide benefits for the life of the members so increases in life expectancy will result in an increase in the plans’ liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">Investment risk:</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%"> Scheme assets are invested in a diversified portfolio of debt securities, equities and other return-seeking assets. If the assets underperform the discount rate used to calculate the defined benefit obligation, it will reduce the surplus or increase the deficit. Volatility in asset values and the discount rate will lead to volatility in the net pension asset on the Group’s balance sheet and in other comprehensive income. To a lesser extent this will also lead to volatility in the pension expense in the Group’s income statement.<br/>In addition, the schemes themselves are exposed to liquidity risk with the need to ensure that liquid assets held are sufficient to meet benefit payments as they fall due and there is sufficient collateral available to support their hedging activity.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The ultimate cost of the defined benefit obligations to the Group will depend upon actual future events rather than the assumptions made. The assumptions made are unlikely to be borne out in practice and as such the cost may be higher or lower than expected.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Sensitivity analysis</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The effect of reasonably possible changes in key assumptions on the value of scheme liabilities and the resulting pension charge in the Group’s income statement and on the net defined benefit pension scheme asset, for the Group’s three most significant schemes, is set out below. The sensitivities provided assume that all other assumptions and the value of the schemes’ assets remain unchanged, and are not intended to represent changes that are at the extremes of possibility. The calculations are approximate in nature and full detailed calculations could lead to a different result. It is unlikely that isolated changes to individual assumptions will be experienced in practice. Due to the correlation of assumptions, aggregating the effects of these isolated changes may not be a reasonable estimate of the actual effect of simultaneous changes in multiple assumptions.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:60.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Effect of reasonably possible alternative assumptions</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Increase (decrease) in the income statement charge</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Increase) decrease in the<br/>net defined benefit<br/>pension scheme surplus</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation (including pension increases)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Increase of 0.1 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">224</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">251 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Decrease of 0.1 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(235)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(245)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discount rate</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Increase of 0.1 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(25)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(355)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(379)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Decrease of 0.1 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">363</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected life expectancy of members:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Increase of one year</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">927</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">745 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Decrease of one year</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(46)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(39)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(946)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(762)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 At 31 December 2023, the assumed rate of RPI inflation is 2.96 per cent and CPI inflation 2.47 per cent (2022: RPI 3.13 per cent and CPI 2.69 per cent).</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 At 31 December 2023, the assumed discount rate is 4.70 per cent (2022: 4.93 per cent).</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Sensitivity analysis method and assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The sensitivity analysis above reflects the impact on the liabilities of the Group’s three most significant schemes which account for over 90 per cent of the Group’s defined benefit obligations. While differences in the underlying liability profiles for the remainder of the Group’s pension arrangements mean that they may exhibit slightly different sensitivities to variations in these assumptions, the sensitivities provided above are indicative of the impact across the Group as a whole.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The inflation assumption sensitivity applies to the assumed rate of increase in both the Consumer Price Index (CPI) and the Retail Price Index (RPI), and includes the impact on the rate of increases to pensions, both before and after retirement. These pension increases are linked to inflation (either CPI or RPI) subject to certain minimum and maximum limits.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The sensitivity analysis (including the inflation sensitivity) does not include the impact of any change in the rate of salary increases as pensionable salaries have been frozen since 2 April 2014.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The life expectancy assumption has been applied by allowing for an increase/decrease in life expectation from age 60 of one year, based upon the approximate weighted average age for each scheme. While this is an approximate approach and will not give the same result as a one year increase in life expectancy at every age, it provides an appropriate indication of the potential impact on the schemes from changes in life expectancy.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">There was no change in the methods and assumptions used in preparing the sensitivity analysis from the prior year.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 16: Retirement benefit obligations</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Asset-liability matching strategies</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The main schemes’ assets are invested in a diversified portfolio. Whilst c.50 per cent are held to generate the long-term returns required to support the funding position of the schemes, the remainder is invested in liability-driven investment (LDI) strategies which hedge the material risk exposures of the schemes. The investment strategy is not static and will evolve to reflect the structure of liabilities within the schemes. Specific strategies for each pension plan are independently determined by the responsible governance body for each scheme and in consultation with the employer.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A significant goal of the strategies adopted by the schemes is to reduce volatility caused by changes in market expectations of interest rates and inflation. In the main schemes, this is achieved by investing scheme assets in bonds, primarily fixed interest gilts and index linked gilts, and by entering into interest rate and inflation swap arrangements. The assets in these LDI strategies represented 50 per cent of scheme assets at 31 December 2023.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">These investments are structured to take into account the profile of scheme liabilities and actively managed to reflect both changing market conditions and changes to the liability profile. At 31 December 2023 the asset-liability matching strategy mitigated c.117 per cent of the liability sensitivity to interest rate movements and c.125 per cent of the liability sensitivity to inflation movements. In addition, a small amount of interest rate sensitivity arises through holdings of corporate and other debt securities. The higher level of hedging provides greater protection to the funding position of the schemes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On 28 January 2020, the main schemes entered into a £10 billion longevity insurance arrangement to hedge part of the schemes’ exposure to unexpected increases in life expectancy. This arrangement forms part of the schemes’ investment portfolio and will provide income to the schemes in the event that pensions are paid out for longer than expected. The transaction was structured as a pass-through with Scottish Widows as the insurer, and onwards reinsurance to Pacific Life Re Limited.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On 28 January 2022, the Lloyds Bank Pension Scheme No. 1 entered into an additional £5.5 billion longevity insurance arrangement. The transaction is structured as a pass-through with Scottish Widows as the insurer, and onwards reinsurance to SCOR SE – UK Branch.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023 the value of scheme assets included £(160) million representing the value of the longevity swaps (after allowing for the impact on the IAS 19 liabilities of the revisions to the base mortality assumptions).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In total the schemes have now hedged c.30 per cent of their longevity risk exposure.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Maturity profile of defined benefit obligation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table provides information on the weighted average duration of the defined benefit pension obligation and the distribution and timing of benefit payments:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Years</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Duration of the defined benefit obligation</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Maturity analysis of benefits expected to be paid:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Within 12 months</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,697</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,409 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 1 and 2 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,513</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,464 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 2 and 5 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,886</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,678 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 5 and 10 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,159</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,930 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 10 and 15 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,176</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,296 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 15 and 25 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,882</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,479 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 25 and 35 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,343</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,720 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 35 and 45 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,121</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,138 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">In more than 45 years</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,595</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,685 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Maturity analysis method and assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The projected benefit payments are based on the assumptions underlying the assessment of the obligations, including allowance for expected future inflation. They are shown in their undiscounted form and therefore appear large relative to the discounted assessment of the defined benefit obligations recognised in the Group’s balance sheet. They are in respect of benefits that have been accrued prior to the respective year end date only and make no allowance for any benefits that may have been accrued subsequently.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Defined contribution schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group operates a number of defined contribution pension schemes in the UK and overseas, principally Your Tomorrow and the defined contribution sections of the Lloyds Bank Pension Scheme No. 1.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">During the year ended 31 December 2023 the charge to the income statement in respect of defined contribution schemes was £434 million (2022: £330 million; 2021: £302 million), representing the contributions payable by the employer in accordance with each scheme’s rules.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 16: Retirement benefit obligations</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Other retirement benefit schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group operates a number of schemes which provide post-retirement healthcare benefits to certain employees, retired employees and their dependants. The principal scheme relates to former Lloyds Bank staff and under this scheme the Group has undertaken to meet the cost of post-retirement healthcare for all eligible former employees (and their dependants) who retired prior to 1 January 1996. The Group has entered into an insurance contract to provide these benefits and a provision has been made for the estimated cost of future insurance premiums payable.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the principal post-retirement healthcare scheme, the latest actuarial valuation of the liability was carried out at 31 December 2023 by qualified independent actuaries. The principal assumptions used were as set out above, except that the rate of increase in healthcare premiums has been assumed at 10.00 per cent (2022: 6.74 per cent).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Movements in the other retirement benefits obligation:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(35)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(103)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Actuarial (losses) gains</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance premiums paid</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Charge for the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(44)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(35)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Disclosure Of Defined Benefit Plans Explanatory DisclosureOfDefinedBenefitPlansExplanatory	<div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(Credit) charge to the income statement</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Defined benefit pension schemes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(80)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">123 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">234 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other retirement benefit schemes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total defined benefit schemes</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(79)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">125 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">236 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Defined contribution pension schemes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">434</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">330 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">302 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total charge to the income statement (note 14)</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">455 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">538 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Analysis of the defined benefit obligation</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Active members</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,955)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,088)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred members</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8,438)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,515)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Dependants</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,572)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,349)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pensioners</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(17,236)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(16,013)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30,201)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(28,965)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The pension schemes’ pooled investment vehicles comprise:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Alternative credit funds</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,962</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,222 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Bond and debt funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">571</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">354 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,674</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,421 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedge and mutual funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">808</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">240 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Infrastructure funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,147</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,193 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liquidity funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,585</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,527 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,227</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,604 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,974</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,593 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The principal actuarial and financial assumptions used in valuations of the defined benefit pension schemes were as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.93 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rate of inflation:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail Price Index (RPI)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.96</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Consumer Price Index (CPI)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.47</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.69 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rate of salary increases</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.00</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted average rate of increase for pensions in payment</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.73</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.84 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:60.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Men</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Women</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Years</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Years</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Life expectancy for member aged 60, on the valuation date</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">26.7</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26.7</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28.7</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28.8</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Life expectancy for member aged 60, 15 years after the valuation date</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27.8</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27.8</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29.8</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30.0</span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:60.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Effect of reasonably possible alternative assumptions</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Increase (decrease) in the income statement charge</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">(Increase) decrease in the<br/>net defined benefit<br/>pension scheme surplus</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Inflation (including pension increases)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Increase of 0.1 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">224</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">251 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Decrease of 0.1 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(235)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(245)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discount rate</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Increase of 0.1 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(25)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(355)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(379)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Decrease of 0.1 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">363</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected life expectancy of members:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Increase of one year</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">927</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">745 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Decrease of one year</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(46)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(39)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(946)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(762)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 At 31 December 2023, the assumed rate of RPI inflation is 2.96 per cent and CPI inflation 2.47 per cent (2022: RPI 3.13 per cent and CPI 2.69 per cent).</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 At 31 December 2023, the assumed discount rate is 4.70 per cent (2022: 4.93 per cent).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table provides information on the weighted average duration of the defined benefit pension obligation and the distribution and timing of benefit payments:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Years</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Duration of the defined benefit obligation</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Maturity analysis of benefits expected to be paid:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Within 12 months</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,697</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,409 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 1 and 2 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,513</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,464 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 2 and 5 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,886</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,678 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 5 and 10 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,159</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,930 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 10 and 15 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,176</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,296 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 15 and 25 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,882</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,479 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 25 and 35 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,343</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,720 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Between 35 and 45 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,121</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,138 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">In more than 45 years</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,595</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,685 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Movements in the other retirement benefits obligation:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(35)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(103)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Actuarial (losses) gains</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance premiums paid</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Charge for the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(44)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(35)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	lyg	Postemployment Benefit Expense Defined Benefit And Contribution Plans PostemploymentBenefitExpenseDefinedBenefitAndContributionPlans	355000000	gbp
CY2022	lyg	Postemployment Benefit Expense Defined Benefit And Contribution Plans PostemploymentBenefitExpenseDefinedBenefitAndContributionPlans	455000000	gbp
CY2021	lyg	Postemployment Benefit Expense Defined Benefit And Contribution Plans PostemploymentBenefitExpenseDefinedBenefitAndContributionPlans	538000000	gbp
CY2024	ifrs-full	Contributions To Plan Net Defined Benefit Liability Asset ContributionsToPlanNetDefinedBenefitLiabilityAsset	100000000	gbp
CY2023	ifrs-full	Disclosure Of Analysis Of Present Value Of Defined Benefit Obligation That Distinguishes Nature Characteristics And Risks Explanatory DisclosureOfAnalysisOfPresentValueOfDefinedBenefitObligationThatDistinguishesNatureCharacteristicsAndRisksExplanatory	<div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Amount included in the balance sheet</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Present value of funded obligations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30,201)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(28,965)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value of scheme assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33,733</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,697 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net amount recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,532</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,732 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net amount recognised in the balance sheet</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,732</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,404 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net defined benefit pension credit (charge)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(123)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Actuarial (losses) gains on defined benefit obligation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,304)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,222 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Return on plan assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(318)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,302)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,342</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,530 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,532</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,732 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Changes in the fair value of scheme assets</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32,697</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51,534 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Return on plan assets excluding amounts included in interest income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(318)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,302)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,602</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">997 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,342</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,530 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Benefits paid</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,544)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,048)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Administrative costs paid</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(35)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(34)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33,733</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,697 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023Q4	lyg	Current Liability Asset Of Defined Benefit Plans CurrentLiabilityAssetOfDefinedBenefitPlans	3532000000	gbp
CY2022Q4	lyg	Current Liability Asset Of Defined Benefit Plans CurrentLiabilityAssetOfDefinedBenefitPlans	3732000000	gbp
CY2023Q4	ifrs-full	Defined Benefit Obligation At Present Value DefinedBenefitObligationAtPresentValue	30201000000	gbp
CY2022Q4	ifrs-full	Defined Benefit Obligation At Present Value DefinedBenefitObligationAtPresentValue	28965000000	gbp
CY2023Q4	ifrs-full	Investment Funds Amount Contributed To Fair Value Of Plan Assets InvestmentFundsAmountContributedToFairValueOfPlanAssets	8974000000	gbp
CY2022Q4	ifrs-full	Investment Funds Amount Contributed To Fair Value Of Plan Assets InvestmentFundsAmountContributedToFairValueOfPlanAssets	18593000000	gbp
CY2023Q4	ifrs-full	Actuarial Assumption Of Discount Rates ActuarialAssumptionOfDiscountRates	0.0470
CY2022Q4	ifrs-full	Actuarial Assumption Of Discount Rates ActuarialAssumptionOfDiscountRates	0.0493
CY2023Q4	ifrs-full	Actuarial Assumption Of Expected Rates Of Salary Increases ActuarialAssumptionOfExpectedRatesOfSalaryIncreases	0.0000
CY2022Q4	ifrs-full	Actuarial Assumption Of Expected Rates Of Salary Increases ActuarialAssumptionOfExpectedRatesOfSalaryIncreases	0.0000
CY2023Q4	ifrs-full	Actuarial Assumption Of Expected Rates Of Pension Increases ActuarialAssumptionOfExpectedRatesOfPensionIncreases	0.0273
CY2022Q4	ifrs-full	Actuarial Assumption Of Expected Rates Of Pension Increases ActuarialAssumptionOfExpectedRatesOfPensionIncreases	0.0284
	lyg	Basis Points Gap Between Rpi And Cpi BasisPointsGapBetweenRPIAndCPI	0.0130
CY2023	ifrs-full	Actuarial Assumption Of Retirement Age2019 ActuarialAssumptionOfRetirementAge2019	P60Y
CY2023	lyg	Illustrative Current Age Of Prospective Retirees IllustrativeCurrentAgeOfProspectiveRetirees	P45Y
CY2023	lyg	Period Between Illustrative Current Age Of Prospective Retirees To Actuarial Assumed Retirement Age PeriodBetweenIllustrativeCurrentAgeOfProspectiveRetireesToActuarialAssumedRetirementAge	P15Y
CY2023	ifrs-full	Actuarial Assumption Of Retirement Age2019 ActuarialAssumptionOfRetirementAge2019	P60Y
CY2022	lyg	Actuarial Assumption Of Mortality Rate Sensitivity Of Mortality Experience ActuarialAssumptionOfMortalityRateSensitivityOfMortalityExperience	0.25
CY2023Q4	ifrs-full	Actuarial Assumption Of Discount Rates ActuarialAssumptionOfDiscountRates	0.0470
CY2022Q4	ifrs-full	Actuarial Assumption Of Discount Rates ActuarialAssumptionOfDiscountRates	0.0493
CY2023Q4	lyg	Three Most Significant Defined Benefit Schemes Percentage Of Total Defined Benefit Obligations ThreeMostSignificantDefinedBenefitSchemesPercentageOfTotalDefinedBenefitObligations	0.90
CY2023	ifrs-full	Actuarial Assumption Of Life Expectancy After Retirement2019 ActuarialAssumptionOfLifeExpectancyAfterRetirement2019	P60Y
CY2023	lyg	Share Of Scheme Assets Held To Generate Long Term Returns ShareOfSchemeAssetsHeldToGenerateLongTermReturns	0.50
CY2023Q4	lyg	Share Of Scheme Assets Invested In Bonds Fixed Interest Gilts Index Linked Gilts And Interest Rate And Inflation Swaps ShareOfSchemeAssetsInvestedInBondsFixedInterestGiltsIndexLinkedGiltsAndInterestRateAndInflationSwaps	0.50
CY2023Q4	lyg	Asset Liability Matching Strategy Liability Sensitivity To Interest Rate Movements AssetLiabilityMatchingStrategyLiabilitySensitivityToInterestRateMovements	1.17
CY2023Q4	lyg	Asset Liability Matching Strategy Liability Sensitivity To Inflation Movements AssetLiabilityMatchingStrategyLiabilitySensitivityToInflationMovements	1.25
CY2023Q4	lyg	Hedged Percent Of Defined Benefit Scheme Exposure To Increases Life Expectancy HedgedPercentOfDefinedBenefitSchemeExposureToIncreasesLifeExpectancy	0.30
CY2023	ifrs-full	Weighted Average Duration Of Defined Benefit Obligation2019 WeightedAverageDurationOfDefinedBenefitObligation2019	P13Y
CY2022	ifrs-full	Weighted Average Duration Of Defined Benefit Obligation2019 WeightedAverageDurationOfDefinedBenefitObligation2019	P15Y
CY2023	ifrs-full	Disclosure Of Auditors Remuneration Explanatory DisclosureOfAuditorsRemunerationExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 17: Auditors’ remuneration</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Fees payable to the Company’s auditors</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:4.87pt;font-weight:400;letter-spacing:0.01em;line-height:126%;position:relative;top:-2.62pt;vertical-align:baseline"> </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">by the Group are as follows:</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fees payable for the:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– audit of the Company’s current year annual report</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.9 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.8 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– audits of the Company’s subsidiaries</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23.7 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– total audit fees in respect of the statutory audit of Group entities</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">34.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31.4 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25.5 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– services normally provided in connection with statutory and regulatory filings or engagements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total audit fees</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">40.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37.7 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30.3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other audit-related fees</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.5 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.5 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">All other fees</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.2 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total non-audit services</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.5 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.7 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total fees payable to the Company’s auditors by the Group</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">43.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44.2 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32.0 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 As defined by the Financial Reporting Council (FRC).</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 As defined by the Securities and Exchange Commission (SEC).</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 As defined by the SEC. Total non-audit services as defined by the FRC include all fees other than audit fees in respect of the statutory audit of Group entities. These fees totalled £9.1 million in 2023 (2022: £12.8 million; 2021: £6.5 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following types of services are included in the categories listed above:</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">Audit fees:</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%"> This category includes fees in respect of the audit of the Group’s annual financial statements (including work related to the adoption of new accounting standards) and other services in connection with regulatory filings. Other services supplied pursuant to legislation relate primarily to costs incurred in connection with client asset assurance and with the Sarbanes-Oxley Act requirements associated with the audit of the Group’s financial statements filed on its Form 20-F.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">Other audit-related fees:</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%"> This category includes fees in respect of services for assurance and related services that are reasonably related to the performance of the audit or review of the financial statements, for example acting as reporting accountants in respect of debt prospectuses required by the Listing Rules.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">All other fees:</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%"> This category includes other assurance services not related to the performance of the audit or review of the financial statements, for example, the review of controls operated by the Group on behalf of a third party. The auditors are not engaged to provide tax services.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">It is the Group’s policy to use the auditors only on assignments in cases where their knowledge of the Group means that it is neither efficient nor cost effective to employ another firm of accountants.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has procedures that are designed to ensure auditor independence, including prohibiting certain non-audit services. All audit and non-audit assignments must be pre-approved by the Audit Committee on an individual engagement basis; for certain types of non-audit engagements where the fee is ‘de minimis’ the Audit Committee has pre-approved all assignments subject to confirmation by management. On a quarterly basis, the Audit Committee receives and reviews a report detailing all pre-approved services and amounts paid to the auditors for such pre-approved services.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">During the year, the auditors also earned fees payable by entities outside the consolidated Lloyds Banking Group in respect of the following:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Audits of Group pension schemes</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.4 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.4 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Audits of the unconsolidated Open-Ended Investment Companies managed by the Group</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reviews of the financial position of corporate and other borrowers</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.3 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Auditors Remuneration For Other Services AuditorsRemunerationForOtherServices	2500000	gbp
CY2022	ifrs-full	Auditors Remuneration For Other Services AuditorsRemunerationForOtherServices	6500000	gbp
CY2021	ifrs-full	Auditors Remuneration For Other Services AuditorsRemunerationForOtherServices	1700000	gbp
CY2023	ifrs-full	Auditors Remuneration AuditorsRemuneration	43400000	gbp
CY2022	ifrs-full	Auditors Remuneration AuditorsRemuneration	44200000	gbp
CY2021	ifrs-full	Auditors Remuneration AuditorsRemuneration	32000000.0	gbp
CY2023	ifrs-full	Disclosure Of Impairment Loss And Reversal Of Impairment Loss Explanatory DisclosureOfImpairmentLossAndReversalOfImpairmentLossExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 18: Impairment</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:52.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Year ended 31 December 2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">261</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(281)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">414</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(73)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">321</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">256</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(282)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">414</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(73)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">315</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment charge (credit) on drawn balances</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">256</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(282)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">404</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(73)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">305</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loan commitments and financial guarantees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(25)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total impairment charge (credit)</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">281</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(307)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">402</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(73)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">303</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:52.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Year ended 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(217)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">694 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">883 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,351 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">696 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">883 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,372 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment (credit) charge on drawn balances</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">696 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">905 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,394 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loan commitments and financial guarantees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">122 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total impairment (credit) charge</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(168)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">795 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">904 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,522 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:52.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Year ended 31 December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(454)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,025)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">498 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(135)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,116)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(459)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,025)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">498 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(135)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,121)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment (credit) charge on drawn balances</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(459)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,025)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">500 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(135)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,119)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loan commitments and financial guarantees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(102)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(146)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(257)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total impairment (credit) charge</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(563)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,171)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">491 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(135)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,378)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The impairment charge includes a £73 million charge (2022: £nil; 2021: release of £77 million) in respect of residual value impairment and voluntary terminations within the Group’s UK Motor Finance business.</span></div>
CY2023	lyg	Impairment Charge On Other Assets ImpairmentChargeOnOtherAssets	-10000000	gbp
CY2023Q4	lyg	Impairment Charge On Drawn Balances ImpairmentChargeOnDrawnBalances	305000000	gbp
CY2023	lyg	Loan Commitments And Financial Guarantees LoanCommitmentsAndFinancialGuarantees	0	gbp
CY2023	ifrs-full	Reversal Of Impairment Loss Recognised In Other Comprehensive Income ReversalOfImpairmentLossRecognisedInOtherComprehensiveIncome	2000000	gbp
CY2023	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	303000000	gbp
CY2022	lyg	Impairment Charge On Other Assets ImpairmentChargeOnOtherAssets	22000000	gbp
CY2022Q4	lyg	Impairment Charge On Drawn Balances ImpairmentChargeOnDrawnBalances	1394000000	gbp
CY2022	lyg	Loan Commitments And Financial Guarantees LoanCommitmentsAndFinancialGuarantees	122000000	gbp
CY2022	ifrs-full	Reversal Of Impairment Loss Recognised In Other Comprehensive Income ReversalOfImpairmentLossRecognisedInOtherComprehensiveIncome	6000000	gbp
CY2022	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	1522000000	gbp
CY2021	lyg	Impairment Charge On Other Assets ImpairmentChargeOnOtherAssets	2000000	gbp
CY2021Q4	lyg	Impairment Charge On Drawn Balances ImpairmentChargeOnDrawnBalances	-1119000000	gbp
CY2021	lyg	Loan Commitments And Financial Guarantees LoanCommitmentsAndFinancialGuarantees	-257000000	gbp
CY2021	ifrs-full	Reversal Of Impairment Loss Recognised In Other Comprehensive Income ReversalOfImpairmentLossRecognisedInOtherComprehensiveIncome	2000000	gbp
CY2021	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	-1378000000	gbp
CY2023	lyg	Residual Value And Voluntary Impairment Charges ResidualValueAndVoluntaryImpairmentCharges	73000000	gbp
CY2022	lyg	Residual Value And Voluntary Impairment Charges ResidualValueAndVoluntaryImpairmentCharges	0	gbp
CY2021	lyg	Residual Value And Voluntary Impairment Charges ResidualValueAndVoluntaryImpairmentCharges	-77000000	gbp
CY2023	ifrs-full	Disclosure Of Income Tax Explanatory DisclosureOfIncomeTaxExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 19: Tax</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Analysis of tax expense for the year</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:0.84pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK corporation tax:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax on profit for the year</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,301)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,152)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,472)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">94 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,250)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,121)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,378)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign tax:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax on profit for the year</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(101)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(74)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(98)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(83)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(30)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax expense</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,348)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,204)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,408)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current year</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(583)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">124 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">546 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(54)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">221 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(155)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax (expense) credit</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(637)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">345 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">391 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Tax expense</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,985)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(859)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,017)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The tax expense is made up as follows:</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax credit (expense) attributable to policyholders</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(54)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(163)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Shareholder tax expense</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,015)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(805)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(854)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Tax expense</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,985)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(859)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,017)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Factors affecting the tax expense for the year</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The UK corporation tax rate for the year was 23.5 per cent (2022: 19.0 per cent; 2021: 19.0 per cent). The increase in applicable tax rate from 2022 relates to the change in statutory tax rate effective from 1 April 2023. An explanation of the relationship between tax expense and accounting profit is set out below.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,503</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,782 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,902 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK corporation tax thereon</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,763)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(909)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,311)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impact of surcharge on banking profits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(305)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(339)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(439)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-deductible costs: conduct charges</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(29)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(185)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-deductible costs: bank levy</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(35)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(28)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other non-deductible costs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(106)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(70)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(83)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-taxable income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">138 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax relief on coupons on other equity instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">124</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">81 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax-exempt gains on disposals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">140 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax losses where no deferred tax recognised</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Remeasurement of deferred tax due to rate changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(14)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">954 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Differences in overseas tax rates</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(63)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(19)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Policyholder tax</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(61)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(65)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(63)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax asset in respect of life assurance expenses</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(69)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">243 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(40)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax effect of share of results of joint ventures</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Tax expense</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,985)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(859)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,017)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The tax impact of the IFRS 17 adjustments is recognised at the rate of tax at which it is expected to be realised. For 2022, this includes the impact of the transitional tax provisions to allow spreading of life companies’ profit or loss arising on transition to IFRS 17 over 10 years.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On 17 November 2022 the UK Government confirmed its intention to implement the G20-OECD Inclusive Framework Pillar 2 rules in the UK, including a Qualified Domestic Minimum Top-Up Tax rule. This legislation, which was enacted in 2023, will seek to ensure that UK-headquartered multinational enterprises pay a minimum tax rate of 15 per cent on UK and overseas profits arising after 31 December 2023. As the UK rate of corporation tax in 2024 will be 25 per cent, and the Group’s business is primarily in the UK, the impact of these rules on the Group is not expected to be material</span><span style="color:#ff0090;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;line-height:126%">.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 19: Tax</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Deferred tax</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s deferred tax assets and liabilities are as follows:</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:29.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.818%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Statutory position</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Tax disclosure</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,185</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,422 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,409</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,741 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(157)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(209)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,381)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,528)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net deferred tax asset at 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,028</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,213 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net deferred tax asset at 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,028</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,213 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The statutory position reflects the deferred tax assets and liabilities as disclosed in the consolidated balance sheet and takes into account the ability of the Group to net assets and liabilities where there is a legally enforceable right of offset. The tax disclosure of deferred tax assets and liabilities ties to the amounts outlined in the tables below which splits the deferred tax assets and liabilities by type, before such netting.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Movements in deferred tax assets and liabilities (before taking into consideration the offsetting of balances within the same taxing jurisdiction) can be summarised as follows:</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:19.132%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.469%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.469%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.469%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.475%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Deferred tax assets</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Tax<br/>losses<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Property,<br/>plant and<br/>equipment<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Provisions<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Long-term</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">assurance</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">business</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Share-<br/>based<br/>payments<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Pension<br/>liabilities<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Derivatives<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Asset</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">revaluations</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other<br/>temporary<br/>differences<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January 2022</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,023 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">744 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">302 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">69 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">700 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">219 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,095 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit (charge) to the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(238)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">114 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(205)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(134)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit (charge) to other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(155)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,928 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,773 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisitions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other credit to equity</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,066 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">506 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">260 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">114 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,423 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">281 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,741 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit (charge) to the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(283)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(258)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(39)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">119</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(84)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(179)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(714)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit (charge) to other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(672)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(630)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other credit to equity</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,783</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">248</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">221</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">233</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,667</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">50</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">102</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,409</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:31.942%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.234%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.469%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.905%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.196%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.474%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Deferred tax liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Capitalised<br/>software<br/>enhancements<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Long-term</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">assurance</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">business</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Acquisition<br/>fair value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Pension<br/>assets<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Derivatives<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Asset</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">revaluations</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">temporary</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">differences</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(275)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,162)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(352)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,331)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(509)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(56)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(331)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,016)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustment on adoption of IFRS 17</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">655 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">686 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January 2022</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(275)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(507)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(352)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,331)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(509)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(56)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(300)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,330)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit (charge) to the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">118 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">507 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(32)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(164)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">479 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit to other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">56 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">339 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisitions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(162)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(332)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,019)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(541)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(474)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,528)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit (charge) to the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(167)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">141</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit to other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">53</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">119</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisitions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(58)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(58)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(92)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(352)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(971)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(708)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(258)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,381)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Financial assets at fair value through other comprehensive income.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 19: Tax</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023 the Group carried net deferred tax assets on its balance sheet of £5,185 million (2022: £6,422 million) principally relating to tax losses carried forward.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Estimation of income taxes includes the assessment of recoverability of deferred tax assets. Deferred tax assets are only recognised to the extent that they are considered more likely than not to be recoverable based on existing tax laws and forecasts of future taxable profits against which the underlying tax deductions can be utilised. The Group has recognised a deferred tax asset of £4,783 million (2022: £5,066 million) in respect of trading losses carried forward. Substantially all of these losses have arisen in Bank of Scotland plc and Lloyds Bank plc, and they will be utilised as taxable profits arise in those legal entities in future periods.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s expectations of future UK taxable profits require management judgement, and take into account the Group’s long-term financial and strategic plans and anticipated future tax-adjusting items. In making this assessment, account is taken of business plans, the Board-approved operating plan and the expected future economic outlook as set out in the strategic report, as well as the risks associated with future regulatory, climate-related and other change, in order to produce a base case forecast of future UK taxable profits. Under current law there is no expiry date for UK trading losses not yet utilised, and given the forecast of future profitability and the Group’s commitment to the UK market, in management’s judgement it is more likely than not that the value of the losses will be recovered by the Group while still operating as a going concern. Banking tax losses that arose before 1 April 2015 can only be used against 25 per cent of taxable profits arising after 1 April 2016, and they cannot be used to reduce the surcharge on banking profits. These restrictions in utilisation mean that the value of the deferred tax asset in respect of tax losses is only expected to be fully recovered by 2036 (2022: 2036) in the base case forecast. The rate of recovery of the Group’s tax loss asset is not a straight line, being affected by the relative profitability of the different legal entities in future periods, and the relative size of their tax losses carried forward. It is expected in the base case that 90 per cent of the value will be recovered by 2034, when Bank of Scotland plc will have utilised all of its available tax losses. It is possible that future tax law changes could materially affect the timing of recovery and the value of these losses ultimately realised by the Group.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A deferred tax asset of £118 million (2022: £8 million) has been recognised in respect of the future tax benefit of certain expenses of the life assurance business. The increase is driven by higher forecast investment returns in the long term projections for the life insurance business due to interest rate rises which increases the amount of expenses expected to be utilised. The deferred tax asset not recognised in respect of the remaining expenses is £88 million (2022: £339 million), and these expenses can be carried forward indefinitely. The unrecognised deferred tax asset has decreased in 2023 due to utilisation of expenses in the year and the higher expected investment returns in the long term projections for the life insurance business reducing the net amount of unutilised expenses in the long term.</span></div><div style="margin-bottom:4pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:126%">Deferred tax not recognised</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deferred tax assets of £160 million (2022: £156 million) have not been recognised in respect of £635 million of UK tax losses and other temporary differences which can only be used to offset future capital gains. UK capital losses can be carried forward indefinitely.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">No deferred tax has been recognised in respect of foreign trade losses where it is not more likely than not that we will be able to utilise them in future periods. Of the asset not recognised, £51 million (2022: £53 million) relates to losses that will expire if not used within 20 years, and £9 million (2022: £9 million) relates to losses with no expiry date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As a result of parent company exemptions on dividends from subsidiaries and on capital gains on disposal there are no significant taxable temporary differences associated with investments in subsidiaries, branches, associates and joint arrangements.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Critical accounting judgements and key sources of estimation uncertainty</span></div><div style="margin-bottom:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:14.474%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:83.326%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Critical judgement:</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">The Group believes that its interpretation of the tax rules on group relief are correct</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has an open matter in relation to a claim for group relief of losses incurred in its former Irish banking subsidiary, which ceased trading on 31 December 2010. In 2013, HMRC informed the Group that its interpretation of the UK rules means that the group relief is not available. In 2020, HMRC concluded its enquiry into the matter and issued a closure notice. The Group’s interpretation of the UK rules has not changed and hence it appealed to the First Tier Tax Tribunal, with a hearing having taken place in May 2023. If the final determination of the matter by the judicial process is that HMRC’s position is correct, management believes that this would result in an increase in current tax liabilities of approximately £920 million (including interest) and a reduction in the Group’s deferred tax asset of approximately £285 million. The Group, following conclusion of the hearing and having taken appropriate advice, does not consider that this is a case where additional tax will ultimately fall due.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">There are a number of other open matters on which the Group is in discussions with HMRC (including the tax treatment of certain costs arising from the divestment of TSB Banking Group plc), none of which is expected to have a material impact on the financial position of the Group.</span></div>
CY2023	ifrs-full	Disclosure Of Tax Receivables And Payables Explanatory DisclosureOfTaxReceivablesAndPayablesExplanatory	<div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:0.84pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK corporation tax:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax on profit for the year</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,301)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,152)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,472)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">94 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,250)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,121)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,378)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign tax:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax on profit for the year</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(101)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(74)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(98)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(83)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(30)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax expense</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,348)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,204)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,408)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current year</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(583)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">124 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">546 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(54)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">221 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(155)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax (expense) credit</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(637)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">345 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">391 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Tax expense</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,985)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(859)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,017)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Current Tax Expense Income And Adjustments For Current Tax Of Prior Periods CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods	1348000000	gbp
CY2022	ifrs-full	Current Tax Expense Income And Adjustments For Current Tax Of Prior Periods CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods	1204000000	gbp
CY2021	ifrs-full	Current Tax Expense Income And Adjustments For Current Tax Of Prior Periods CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods	1408000000	gbp
CY2023	ifrs-full	Deferred Tax Expense Income DeferredTaxExpenseIncome	637000000	gbp
CY2022	ifrs-full	Deferred Tax Expense Income DeferredTaxExpenseIncome	-345000000	gbp
CY2021	ifrs-full	Deferred Tax Expense Income DeferredTaxExpenseIncome	-391000000	gbp
CY2023	ifrs-full	Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity CurrentAndDeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity	1985000000	gbp
CY2022	ifrs-full	Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity CurrentAndDeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity	859000000	gbp
CY2021	ifrs-full	Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity CurrentAndDeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity	1017000000	gbp
CY2023	lyg	Income Tax Expense Credit Attributable To Policyholders IncomeTaxExpenseCreditAttributableToPolicyholders	-30000000	gbp
CY2022	lyg	Income Tax Expense Credit Attributable To Policyholders IncomeTaxExpenseCreditAttributableToPolicyholders	54000000	gbp
CY2021	lyg	Income Tax Expense Credit Attributable To Policyholders IncomeTaxExpenseCreditAttributableToPolicyholders	163000000	gbp
CY2023	lyg	Income Tax Expense Attributable To Shareholders IncomeTaxExpenseAttributableToShareholders	2015000000	gbp
CY2022	lyg	Income Tax Expense Attributable To Shareholders IncomeTaxExpenseAttributableToShareholders	805000000	gbp
CY2021	lyg	Income Tax Expense Attributable To Shareholders IncomeTaxExpenseAttributableToShareholders	854000000	gbp
CY2023	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1985000000	gbp
CY2022	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	859000000	gbp
CY2021	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1017000000	gbp
CY2023	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	7503000000	gbp
CY2022	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	4782000000	gbp
CY2021	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6902000000	gbp
CY2023	ifrs-full	Tax Expense Income At Applicable Tax Rate TaxExpenseIncomeAtApplicableTaxRate	1763000000	gbp
CY2022	ifrs-full	Tax Expense Income At Applicable Tax Rate TaxExpenseIncomeAtApplicableTaxRate	909000000	gbp
CY2021	ifrs-full	Tax Expense Income At Applicable Tax Rate TaxExpenseIncomeAtApplicableTaxRate	1311000000	gbp
CY2023	lyg	Impact Of Bank Surcharge ImpactOfBankSurcharge	305000000	gbp
CY2022	lyg	Impact Of Bank Surcharge ImpactOfBankSurcharge	339000000	gbp
CY2021	lyg	Impact Of Bank Surcharge ImpactOfBankSurcharge	439000000	gbp
CY2023	lyg	Nondeductible Costs Conduct Charges NondeductibleCostsConductCharges	29000000	gbp
CY2022	lyg	Nondeductible Costs Conduct Charges NondeductibleCostsConductCharges	5000000	gbp
CY2021	lyg	Nondeductible Costs Conduct Charges NondeductibleCostsConductCharges	185000000	gbp
CY2023	ifrs-full	Bank And Similar Charges BankAndSimilarCharges	35000000	gbp
CY2022	ifrs-full	Bank And Similar Charges BankAndSimilarCharges	28000000	gbp
CY2021	ifrs-full	Bank And Similar Charges BankAndSimilarCharges	22000000	gbp
CY2023	ifrs-full	Tax Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss	106000000	gbp
CY2022	ifrs-full	Tax Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss	70000000	gbp
CY2021	ifrs-full	Tax Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss	83000000	gbp
CY2023	ifrs-full	Tax Effect Of Revenues Exempt From Taxation2011 TaxEffectOfRevenuesExemptFromTaxation2011	80000000	gbp
CY2022	ifrs-full	Tax Effect Of Revenues Exempt From Taxation2011 TaxEffectOfRevenuesExemptFromTaxation2011	138000000	gbp
CY2021	ifrs-full	Tax Effect Of Revenues Exempt From Taxation2011 TaxEffectOfRevenuesExemptFromTaxation2011	40000000	gbp
CY2023	lyg	Tax Relief On Coupons On Other Equity Instruments TaxReliefOnCouponsOnOtherEquityInstruments	-124000000	gbp
CY2022	lyg	Tax Relief On Coupons On Other Equity Instruments TaxReliefOnCouponsOnOtherEquityInstruments	-83000000	gbp
CY2021	lyg	Tax Relief On Coupons On Other Equity Instruments TaxReliefOnCouponsOnOtherEquityInstruments	-81000000	gbp
CY2023	lyg	Tax Effect Of Gains Exempted From Taxation TaxEffectOfGainsExemptedFromTaxation	-35000000	gbp
CY2022	lyg	Tax Effect Of Gains Exempted From Taxation TaxEffectOfGainsExemptedFromTaxation	-67000000	gbp
CY2021	lyg	Tax Effect Of Gains Exempted From Taxation TaxEffectOfGainsExemptedFromTaxation	-140000000	gbp
CY2023	ifrs-full	Tax Effect Of Tax Losses TaxEffectOfTaxLosses	2000000	gbp
CY2022	ifrs-full	Tax Effect Of Tax Losses TaxEffectOfTaxLosses	-11000000	gbp
CY2021	ifrs-full	Tax Effect Of Tax Losses TaxEffectOfTaxLosses	1000000	gbp
CY2023	ifrs-full	Increase Decrease In Accumulated Deferred Tax Recognised In Other Comprehensive Income Due To Change In Tax Rate IncreaseDecreaseInAccumulatedDeferredTaxRecognisedInOtherComprehensiveIncomeDueToChangeInTaxRate	14000000	gbp
CY2022	ifrs-full	Increase Decrease In Accumulated Deferred Tax Recognised In Other Comprehensive Income Due To Change In Tax Rate IncreaseDecreaseInAccumulatedDeferredTaxRecognisedInOtherComprehensiveIncomeDueToChangeInTaxRate	-60000000	gbp
CY2021	ifrs-full	Increase Decrease In Accumulated Deferred Tax Recognised In Other Comprehensive Income Due To Change In Tax Rate IncreaseDecreaseInAccumulatedDeferredTaxRecognisedInOtherComprehensiveIncomeDueToChangeInTaxRate	-954000000	gbp
CY2023	ifrs-full	Tax Effect Of Foreign Tax Rates TaxEffectOfForeignTaxRates	-6000000	gbp
CY2022	ifrs-full	Tax Effect Of Foreign Tax Rates TaxEffectOfForeignTaxRates	63000000	gbp
CY2021	ifrs-full	Tax Effect Of Foreign Tax Rates TaxEffectOfForeignTaxRates	19000000	gbp
CY2023	lyg	Policyholder Tax PolicyholderTax	61000000	gbp
CY2022	lyg	Policyholder Tax PolicyholderTax	65000000	gbp
CY2021	lyg	Policyholder Tax PolicyholderTax	63000000	gbp
CY2023	lyg	Policyholder Deferred Tax Asset In Respect Of Life Assurance Expenses PolicyholderDeferredTaxAssetInRespectOfLifeAssuranceExpenses	84000000	gbp
CY2022	lyg	Policyholder Deferred Tax Asset In Respect Of Life Assurance Expenses PolicyholderDeferredTaxAssetInRespectOfLifeAssuranceExpenses	21000000	gbp
CY2021	lyg	Policyholder Deferred Tax Asset In Respect Of Life Assurance Expenses PolicyholderDeferredTaxAssetInRespectOfLifeAssuranceExpenses	-69000000	gbp
CY2023	ifrs-full	Adjustments For Current Tax Of Prior Period AdjustmentsForCurrentTaxOfPriorPeriod	0	gbp
CY2022	ifrs-full	Adjustments For Current Tax Of Prior Period AdjustmentsForCurrentTaxOfPriorPeriod	-243000000	gbp
CY2021	ifrs-full	Adjustments For Current Tax Of Prior Period AdjustmentsForCurrentTaxOfPriorPeriod	40000000	gbp
CY2023	lyg	Tax Effect Of Results Of Joint Ventures And Associates TaxEffectOfResultsOfJointVenturesAndAssociates	-1000000	gbp
CY2022	lyg	Tax Effect Of Results Of Joint Ventures And Associates TaxEffectOfResultsOfJointVenturesAndAssociates	3000000	gbp
CY2021	lyg	Tax Effect Of Results Of Joint Ventures And Associates TaxEffectOfResultsOfJointVenturesAndAssociates	0	gbp
CY2023	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1985000000	gbp
CY2022	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	859000000	gbp
CY2021	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1017000000	gbp
CY2023	lyg	Period Over Which The Impact Of Transitional Tax Provisions As A Result New Accounting Standard Are Spread PeriodOverWhichTheImpactOfTransitionalTaxProvisionsAsAResultNewAccountingStandardAreSpread	P10Y
CY2023Q4	ifrs-full	Deferred Tax Assets DeferredTaxAssets	5185000000	gbp
CY2022Q4	ifrs-full	Deferred Tax Assets DeferredTaxAssets	6422000000	gbp
CY2023	lyg	Percentage Of Tax Loss Asset Expected To Be Recovered PercentageOfTaxLossAssetExpectedToBeRecovered	0.90
CY2023	ifrs-full	Disclosure Of Financial Instruments Explanatory DisclosureOfFinancialInstrumentsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 20: Measurement basis of financial assets and liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The accounting policies in note 2 describe how different classes of financial instruments are measured, and how income and expenses, including fair value gains and losses, are recognised. The following table analyses the carrying amounts of the financial assets and liabilities by category and by balance sheet heading.</span></div><div style="margin-bottom:12pt;margin-top:11pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:28.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.652%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.625%"></td><td style="width:0.1%"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Derivatives<br/>designated<br/>as hedging<br/>instruments<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Mandatorily held at<br/>fair value through<br/>profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Designated<br/>at fair value<br/>through<br/>profit or loss<br/>£m</span></td><td colspan="6" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At fair value<br/>through other<br/>comprehensive<br/>income<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Held at<br/>amortised<br/>cost<br/>£m</span></td><td colspan="6" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Insurance-<br/>related<br/>contracts<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Held for<br/>trading<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">78,110</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">78,110</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21,638</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">181,680</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203,318</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">103</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,253</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,356</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514,635</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514,635</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">299</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">443</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">742</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">103</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">43,891</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">181,680</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">593,044</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">443</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">846,753</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,631</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,283</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24,914</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">505</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,644</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,149</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notes in circulation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,392</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,392</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">120,123</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">120,123</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44,978</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44,978</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,960</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,968</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,253</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,253</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">505</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39,275</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">50,261</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">604,449</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">120,131</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">814,621</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 20: Measurement basis of financial assets and liabilities </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:28.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.652%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.625%"></td><td style="width:0.1%"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivatives<br/>designated<br/>as hedging<br/>instruments<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Mandatorily held at<br/>fair value through<br/>profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Designated<br/>at fair value<br/>through<br/>profit or loss<br/>£m</span></td><td colspan="6" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At fair value<br/>through other<br/>comprehensive<br/>income<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Held at<br/>amortised<br/>cost<br/>£m</span></td><td colspan="6" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Insurance-<br/>related<br/>contracts<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Held for<br/>trading<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">166,553 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180,769 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,678 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,322 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,322 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">242 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">614 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38,894 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">166,553 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,154 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">611,952 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">841,000 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,577 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,178 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,755 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">527 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,515 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notes in circulation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,280 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,280 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110,278 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110,278 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,476 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,476 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,689 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,708 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,730 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,730 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">527 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36,092 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,654 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">618,711 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110,297 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">810,281 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for presentational changes and for the adoption of IFRS 17; see notes 1 and 54.</span></div>
CY2023Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	78110000000	gbp
CY2023Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	203318000000	gbp
CY2023Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22356000000	gbp
CY2023Q4	ifrs-full	Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed	38771000000	gbp
CY2023Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	514635000000	gbp
CY2023Q4	ifrs-full	Other Financial Assets OtherFinancialAssets	742000000	gbp
CY2023Q4	ifrs-full	Financial Assets FinancialAssets	846753000000	gbp
CY2023Q4	lyg	Deposits From Banks And Repurchase Agreements DepositsFromBanksAndRepurchaseAgreements	6153000000	gbp
CY2023Q4	lyg	Deposits From Customers And Repurchase Agreements DepositsFromCustomersAndRepurchaseAgreements	471396000000	gbp
CY2023Q4	ifrs-full	Repurchase Agreements And Cash Collateral On Securities Lent RepurchaseAgreementsAndCashCollateralOnSecuritiesLent	37703000000	gbp
CY2023Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	24914000000	gbp
CY2023Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	20149000000	gbp
CY2023Q4	lyg	Notes In Circulation NotesInCirculation	1392000000	gbp
CY2023Q4	lyg	Debt Securities At Amortised Cost DebtSecuritiesAtAmortisedCost	75592000000	gbp
CY2023Q4	ifrs-full	Insurance Contracts Issued That Are Liabilities InsuranceContractsIssuedThatAreLiabilities	120123000000	gbp
CY2023Q4	ifrs-full	Investment Contracts Liabilities InvestmentContractsLiabilities	44978000000	gbp
CY2023Q4	ifrs-full	Other Financial Liabilities OtherFinancialLiabilities	1968000000	gbp
CY2023Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	10253000000	gbp
CY2023Q4	ifrs-full	Financial Liabilities FinancialLiabilities	814621000000	gbp
CY2022Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	91388000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	180769000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2022Q4	ifrs-full	Loans And Advances To Banks LoansAndAdvancesToBanks	10632000000	gbp
CY2022Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	454899000000	gbp
CY2022Q4	ifrs-full	Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed	44865000000	gbp
CY2022Q4	ifrs-full	Debt Instruments Held DebtInstrumentsHeld	9926000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	520322000000	gbp
CY2022Q4	ifrs-full	Other Financial Assets OtherFinancialAssets	614000000	gbp
CY2022Q4	ifrs-full	Financial Assets FinancialAssets	841000000000	gbp
CY2022Q4	lyg	Deposits From Banks And Repurchase Agreements DepositsFromBanksAndRepurchaseAgreements	7266000000	gbp
CY2022Q4	lyg	Deposits From Customers And Repurchase Agreements DepositsFromCustomersAndRepurchaseAgreements	475331000000	gbp
CY2022Q4	ifrs-full	Repurchase Agreements And Cash Collateral On Securities Lent RepurchaseAgreementsAndCashCollateralOnSecuritiesLent	48596000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	17755000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2022Q4	lyg	Notes In Circulation NotesInCirculation	1280000000	gbp
CY2022Q4	lyg	Debt Securities At Amortised Cost DebtSecuritiesAtAmortisedCost	73819000000	gbp
CY2022Q4	ifrs-full	Insurance Contracts Issued That Are Liabilities InsuranceContractsIssuedThatAreLiabilities	110278000000	gbp
CY2022Q4	ifrs-full	Investment Contracts Liabilities InvestmentContractsLiabilities	39476000000	gbp
CY2022Q4	ifrs-full	Other Financial Liabilities OtherFinancialLiabilities	1708000000	gbp
CY2022Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	10730000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities FinancialLiabilities	810281000000	gbp
CY2023	ifrs-full	Disclosure Of Fair Value Of Financial Instruments Explanatory DisclosureOfFairValueOfFinancialInstrumentsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 21: Fair values of financial assets and liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, the carrying value of the Group’s financial instrument assets held at fair value was £253,266 million (2022: £228,676 million), and its financial instrument liabilities held at fair value was £90,041 million (2022: £81,273 million).</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(1) Fair value measurement</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Fair value is the price that would be received on sale of an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is a measure as at a specific date and may be significantly different from the amount which will actually be paid or received on maturity or settlement date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Wherever possible, fair values have been calculated using unadjusted quoted market prices in active markets for identical instruments to those held by the Group. Where quoted market prices are not available, or are unreliable because of poor liquidity, fair values have been determined using valuation techniques which, to the extent possible, use market observable inputs, but in some cases use non-market observable inputs. Valuation techniques used include discounted cash flow analysis and pricing models and, where appropriate, comparison to instruments with characteristics similar to those of the instruments held by the Group. The Group measures valuation adjustments for its derivative exposures on the same basis as the derivatives are managed.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The carrying amount of the following financial instruments is a reasonable approximation of fair value: cash and balances at central banks, items in the course of collection from banks, items in course of transmission to banks and notes in circulation. Liabilities arising from non-participating investment contracts are carried at fair value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Because a variety of estimation techniques are employed and significant estimates made, comparisons of fair values between financial institutions may not be meaningful. Readers of these financial statements are thus advised to use caution when using this data to evaluate the Group’s financial position.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Fair value information is not provided for items that are not financial instruments or for other assets and liabilities which are not carried at fair value in the Group’s consolidated balance sheet. These items include intangible assets, property, plant and equipment, and shareholders’ equity. These items are material and accordingly the Group believes that any fair value information presented would not represent the underlying value of the Group.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Valuation control framework</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The key elements of the control framework for the valuation of financial instruments include model validation, product implementation review and independent price verification. These functions are carried out by appropriately skilled risk and finance teams, independent of the business area responsible for the products.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Model validation covers both qualitative and quantitative elements relating to new models. In respect of new products, a product implementation review is conducted pre and post-trading. Pre-trade testing ensures that the new model is integrated into the Group’s systems and that the profit and loss and risk reporting are consistent throughout the trade lifecycle. Post-trade testing examines the explanatory power of the implemented model, actively monitoring model parameters and comparing in-house pricing to external sources. Independent price verification procedures cover financial instruments carried at fair value. The frequency of the review is matched to the availability of independent data, monthly being the minimum. Valuation differences in breach of established thresholds are escalated to senior management. The results from independent pricing and valuation reserves are reviewed monthly by senior management.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Formal committees, consisting of senior risk, finance and business management, meet at least quarterly to discuss and approve valuations in more judgemental areas, in particular for unquoted equities, structured credit, derivatives and the credit valuation adjustment (CVA), funding valuation adjustment (FVA) and other valuation adjustments.</span></div><div style="margin-bottom:1pt"><span id="ide22fb8deb4c4abc81029b48446d312a_1044"></span><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Valuation of financial assets and liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Assets and liabilities carried at fair value or for which fair values are disclosed have been classified into three levels according to the quality and reliability of information used to determine the fair values.</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Level 1</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Level 1 fair value measurements are those derived from unadjusted quoted prices in active markets for identical assets or liabilities. Products classified as level 1 predominantly comprise listed equity shares, treasury bills and other government securities.</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Level 2</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Level 2 valuations are those where quoted market prices are not available, for example where the instrument is traded in a market that is not considered to be active or valuation techniques are used to determine fair value and where these techniques use inputs that are based significantly on observable market data. Examples of such financial instruments include most over-the-counter derivatives, financial institution issued securities, certificates of deposit and certain asset-backed securities.</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Level 3</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Level 3 portfolios are those where at least one input which could have a significant effect on the instrument’s valuation is not based on observable market data. Such instruments would include the Group’s venture capital and unlisted equity investments which are valued using various valuation techniques that require significant management judgement in determining appropriate assumptions, including earnings multiples and estimated future cash flows. Certain of the Group’s asset-backed securities, loans and advances recognised at fair value and derivatives are also classified as level 3.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Transfers out of the level 3 portfolio arise when inputs that could have a significant impact on the instrument’s valuation become market observable after previously having been non-market observable. In the case of asset-backed securities this can arise if more than one consistent independent source of data becomes available. Conversely, transfers into the portfolio arise when consistent sources of data cease to be available.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 21: Fair values of financial assets and liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(2) Financial assets and liabilities carried at fair value</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(A) Financial assets (excluding derivatives)</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Valuation hierarchy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, the Group’s financial assets (excluding derivatives) carried at fair value totalled £230,910 million (2022: £203,923 million). The table below analyses these financial assets by balance sheet classification, asset type and valuation methodology (level 1, 2 or 3, as described above). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and 2 during the year. For amounts included below which are subject to repurchase and reverse repurchase agreements see note 52.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:61.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.638%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,413</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,413</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,596</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,596</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">529</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">529</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,596</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">606</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,202</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total trading assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,596</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,042</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21,638</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial assets mandatorily held at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,127</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,127</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,992</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,890</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,882</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,005</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,009</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other public sector securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,300</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,310</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Bank and building society certificates of deposit</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,504</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,504</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">327</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">186</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">513</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,061</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,064</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,125</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,015</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28,196</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,250</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,461</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity shares</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">117,194</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,541</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">118,735</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts held with reinsurers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,424</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,424</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total other financial assets mandatorily held at fair value through profit or loss</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">125,260</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44,739</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,681</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">181,680</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets at fair value through profit or loss</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">128,856</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">62,781</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,681</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203,318</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,093</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">48</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,141</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">121</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">173</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">956</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,090</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,046</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,049</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,259</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,360</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity shares</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">232</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">232</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,049</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,259</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets (excluding derivatives) at fair value</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">143,905</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,040</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,965</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">230,910</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Other financial assets mandatorily at fair value through profit or loss include assets backing insurance contracts and investment contracts of £176,475 million. Included within these assets are investments in unconsolidated structured entities of £76,426 million; see note 49.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 21: Fair values of financial assets and liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;margin-top:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:61.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.638%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,781 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,781 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,185 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,185 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">228 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">228 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,185 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">249 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,434 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total trading assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,185 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,031 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,216 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial assets mandatorily held at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,329 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,329 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,878 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,883 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,761 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,865 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,872 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other public sector securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,516 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,516 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Bank and building society certificates of deposit</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,133 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,133 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">336 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">399 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,877 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,739 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,693 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,942 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25,869 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,802 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35,613 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity shares</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">105,263 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,619 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">106,882 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts held with reinsurers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,906 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,906 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total other financial assets mandatorily held at fair value through profit or loss</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113,267 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41,982 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,304 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">166,553 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">115,452 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54,013 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,304 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180,769 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,854 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">357 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,211 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">87 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">146 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">536 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,978 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,514 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,390 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,422 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,871 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity shares</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,390 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,422 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">342 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,154 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial assets (excluding derivatives) at fair value</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">126,842 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">65,435 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,646 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">203,923 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for presentational changes and for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other financial assets mandatorily at fair value through profit or loss include assets backing insurance contracts and investment contracts of £161,778 million. Included within these assets are investments in unconsolidated structured entities of £68,913 million; see note 49.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 21: Fair values of financial assets and liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Movements in level 3 portfolio</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below analyses movements in level 3 financial assets (excluding derivatives) at fair value, recurring basis.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:35.290%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.383%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial<br/>assets at<br/>fair value<br/>through<br/>profit or loss<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Financial<br/>assets at<br/>fair value<br/>through other<br/>comprehensive<br/>income<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total level 3<br/>financial assets<br/>(excluding<br/>derivatives)<br/>at fair value,<br/>recurring basis<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial<br/>assets at<br/>fair value<br/>through<br/>profit or loss<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial<br/>assets at<br/>fair value<br/>through other<br/>comprehensive<br/>income<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total level 3<br/>financial assets<br/>(excluding<br/>derivatives)<br/>at fair value,<br/>recurring basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,304</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">342</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,646</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,313 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">305 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,618 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gains (losses) recognised in the income statement within other income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">723</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">729</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,609)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,611)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(Losses) gains recognised in other comprehensive income within the revaluation reserve in respect of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(54)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(54)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Purchases/increases to customer loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">744</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">747</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">959 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">962 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Sales/repayments of customer loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,140)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,152)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,320)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,331)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers into the level 3 portfolio</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">136</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">136</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">197 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">197 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers out of the level 3 portfolio</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(82)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(82)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(251)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(251)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,681</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,965</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,304 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">342 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,646 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gains (losses) recognised in the income statement, within other income, relating to the change in fair value of those assets held at 31 December</span></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">654</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">654</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,596)</span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,596)</span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Valuation methodology for financial assets (excluding derivatives)</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Loans and advances to banks and customers</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair value of these assets is determined using discounted cash flow techniques. The discount rates are derived from market observable interest rates, a risk margin that reflects loan credit ratings and an incremental illiquidity premium based on historical spreads at origination on similar loans.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Debt securities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Debt securities measured at fair value and classified as level 2 are valued by discounting expected cash flows using an observable credit spread applicable to the particular instrument.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where there is limited trading activity in debt securities, the Group uses valuation models, consensus pricing information from third party pricing services and broker or lead manager quotes to determine an appropriate valuation. Debt securities are classified as level 3 if there is a significant valuation input that cannot be corroborated through market sources or where there are materially inconsistent values for an input. Asset classes classified as level 3 mainly comprise venture capital investments.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Equity investments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Unlisted equity and fund investments are valued using different techniques in accordance with the Group’s valuation policy and International Private Equity and Venture Capital Guidelines.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Depending on the business sector and the circumstances of the investment, unlisted equity valuations are based on earnings multiples, net asset values or discounted cash flows.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">A number of earnings multiples are used in valuing the portfolio including price earnings, earnings before interest and tax and earnings before interest, tax, depreciation and amortisation. The particular multiple selected is appropriate for the size and type of business being valued and is derived by reference to the current market-based multiple. Consideration is given to the risk attributes, growth prospects and financial gearing of comparable businesses when selecting the appropriate multiple</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Discounted cash flow valuations use estimated future cash flows, usually based on management forecasts, with the application of appropriate exit yields or terminal multiples and discounted using rates appropriate to the specific investment, business sector or recent economic rates of return. Recent transactions involving the sale of similar businesses may sometimes be used as a frame of reference in deriving an appropriate multiple</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">For fund investments the most recent capital account value calculated by the fund manager is used as the basis for the valuation and adjusted, if necessary, to align valuation techniques with the Group’s valuation policy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Unlisted equity investments and investments in property partnerships held in the life assurance funds are valued using third party valuations. Management take account of any pertinent information, such as recent transactions and information received on particular investments, to adjust the third party valuations where necessary</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 21: Fair values of financial assets and liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(B) Financial liabilities (excluding derivatives)</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Valuation hierarchy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, the Group’s financial liabilities (excluding derivatives) carried at fair value, comprised its financial liabilities at fair value through profit or loss and totalled £24,914 million (2022: £17,755 million). The table below analyses these financial liabilities by balance sheet classification and valuation methodology (level 1, 2 or 3, as described on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%">page F-<a href="#ide22fb8deb4c4abc81029b48446d312a_1044" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">53</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and 2 during the year.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:61.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.638%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities in respect of securities sold under repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,057</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,057</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Short positions in securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,569</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,574</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total trading liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,569</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,062</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,631</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities designated at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,223</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,265</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,241</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,283</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial liabilities (excluding derivatives) at fair value</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,569</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23,303</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24,914</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities in respect of securities sold under repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Short positions in securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,505 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,540 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total trading liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,505 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,072 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,577 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities designated at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,114 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,159 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,133 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,178 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial liabilities (excluding derivatives) at fair value</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,505 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,205 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,755 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Liabilities designated at fair value through profit or loss primarily represent debt securities in issue which either contain substantive embedded derivatives which would otherwise need to be recognised and measured at fair value separately from the related debt securities, or which are accounted for at fair value to significantly reduce an accounting mismatch.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The amount contractually payable on maturity of the debt securities held at fair value through profit or loss at 31 December 2023 was £10,433 million, which was £5,167 million higher than the balance sheet carrying value (2022: £11,195 million, which was £6,036 million higher than the balance sheet carrying value). At 31 December 2023 there was a cumulative £90 million decrease in the fair value of these liabilities attributable to changes in credit spread risk; this is determined by reference to the quoted credit spreads of Lloyds Bank plc, the issuing entity within the Group. Of the cumulative amount, an increase of £234 million arose in 2023 and a decrease of £519 million arose in 2022.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the fair value of collateral pledged in respect of repurchase agreements see note 52.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In addition to the liabilities above, the Group’s non-participating investment contracts are held at fair value through profit or loss and were all categorised as level 2.</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Movements in level 3 portfolio</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below analyses movements in the level 3 financial liabilities (excluding derivatives) at fair value portfolio.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gains recognised in the income statement within other income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Redemptions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers out of the level 3 portfolio</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gains recognised in the income statement, within other income, relating to the change in fair value of those liabilities held at 31 December</span></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 21: Fair values of financial assets and liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Valuation methodology for financial liabilities (excluding derivatives)</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Liabilities held at fair value through profit or loss</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">These principally comprise debt securities in issue which are classified as level 2 and their fair value is determined using techniques whose inputs are based on observable market data. The carrying amount of the securities is adjusted to reflect the effect of changes in own credit spreads and the resulting gain or loss is recognised in other comprehensive income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In the year ended 31 December 2023, the own credit adjustment arising from the fair valuation of £5,265 million (2022: £5,159 million) of the Group’s debt securities in issue designated at fair value through profit or loss resulted in a loss of £234 million (2022: gain of £519 million), before tax, recognised in other comprehensive income.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Trading liabilities in respect of securities sold under repurchase agreements</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair value of these liabilities is determined using discounted cash flow techniques. The discount rates are derived from observable repurchase agreement rate curves specific to the type of security sold under the repurchase agreement.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(C) Derivatives</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Valuation hierarchy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">All of the Group’s derivative assets and liabilities are carried at fair value. At 31 December 2023, such assets totalled £22,356 million (2022: £24,753 million) and liabilities totalled £20,149 million (2022: £24,042 million). The table below analyses these derivative balances by valuation methodology (level 1, 2 or 3, as described on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">page F-</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%"><a href="#ide22fb8deb4c4abc81029b48446d312a_1044" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">53</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and level 2 during the year.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:22.480%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.366%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21,857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">422</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,356</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">78 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,122 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">553 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,753 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(116)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(19,589)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(444)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(20,149)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(39)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(23,395)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(608)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(24,042)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Movements in level 3 portfolio</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below analyses movements in level 3 derivative assets and liabilities carried at fair value.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:60.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Derivative<br/>assets<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Derivative<br/>liabilities<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivative<br/>assets<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivative<br/>liabilities<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">553</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(608)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">893 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(944)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(37)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(Losses) gains recognised in the income statement within other income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(104)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">111</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">72 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">204 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Purchases (additions)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(46)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(Sales) redemptions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(38)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers out of the level 3 portfolio</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(486)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">177 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">422</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(444)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">553 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(608)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(Losses) gains recognised in the income statement, within other income, relating to the change in fair value of those assets or liabilities held at 31 December</span></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(72)</span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">76</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">222 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">125 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Valuation methodology for derivatives</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s derivatives are valued using techniques including discounted cash flow and options pricing models, as appropriate. The types of derivatives classified as level 2 and the valuation techniques used include:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Interest rate swaps which are valued using discounted cash flow models; the most significant inputs into those models are interest rate yield curves which are developed from publicly quoted rates</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Foreign exchange derivatives that do not contain options which are priced using rates available from publicly quoted sources</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Credit derivatives are valued using standard models with observable inputs, including publicly available yield and credit default swap (CDS) curves</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Less complex interest rate and foreign exchange option products which are valued using volatility surfaces developed from publicly available interest rate cap, interest rate swaption and other option volatilities; option volatility skew information is derived from a market standard consensus pricing service.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Complex interest rate products where inputs to the valuation are significant and unobservable are classified as level 3.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Certain inputs used to calculate CVA, FVA, and own credit adjustments, are not significant in determining the classification of the derivative and debt instruments. Consequently, these inputs do not form part of the level 3 sensitivities presented.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 21: Fair values of financial assets and liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Derivative valuation adjustments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Derivative financial instruments which are carried in the balance sheet at fair value are adjusted where appropriate to reflect credit risk, market liquidity and other risks.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">(i) Uncollateralised derivative valuation adjustments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table summarises the movement on this valuation adjustment account during 2022 and 2023:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">381</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">456 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Income statement credit</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(102)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(75)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">276</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">381 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Represented by:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit Valuation Adjustment</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">191</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">294 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debit Valuation Adjustment</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(34)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(55)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Funding Valuation Adjustment</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">119</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">142 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">276</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">381 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Credit and Debit Valuation Adjustments (CVA and DVA) are applied to the Group’s over-the-counter derivative exposures with counterparties that are not subject to strong interbank collateral arrangements. These exposures largely relate to the provision of risk management solutions for corporate customers within the Commercial Banking division.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A CVA is taken where the Group has a positive future uncollateralised exposure (asset). A DVA is taken where the Group has a negative future uncollateralised exposure (liability). These adjustments reflect interest rates and expectations of counterparty creditworthiness and the Group’s own credit spread respectively.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The CVA is sensitive to:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">The current size of the mark-to-market position on the uncollateralised asset</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Expectations of future market volatility of the underlying asset</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Expectations of counterparty creditworthiness</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Market Credit Default Swap (CDS) spreads are used to develop the probability of default for quoted counterparties. For unquoted counterparties, internal credit ratings and market sector CDS curves and recovery rates are used. The loss given default (LGD) is based on market recovery rates and internal credit assessments.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The combination of a one-notch deterioration in the credit rating of derivative counterparties and a 10 per cent increase in LGD increases the CVA by £50 million. Current market value is used to estimate the projected exposure for products not supported by the model, which are principally complex interest rate options that are traded in very low volumes. For these, the CVA is calculated on an add-on basis (although no such adjustment was required at 31 December 2023).</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The DVA is sensitive to:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">The current size of the mark-to-market position on the uncollateralised liability</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Expectations of future market volatility of the underlying liability</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">The Group’s own CDS spread</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A 1 per cent rise in the CDS spread would lead to an increase in the DVA of £75 million.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The risk exposures that are used for the CVA and DVA calculations are strongly influenced by interest rates. Due to the nature of the Group’s business the CVA/DVA exposures tend to be on average the same way around such that the valuation adjustments fall when interest rates rise. A 1 per cent rise in interest rates would lead to a £39 million fall in the overall valuation adjustment to £118 million. The CVA model used by the Group does not assume any correlation between the level of interest rates and default rates.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has also recognised a Funding Valuation Adjustment to adjust for the net cost of funding uncollateralised derivative positions. This adjustment is calculated on the expected future exposure discounted at a suitable cost of funds. A 10 basis points increase in the cost of funds will increase the funding valuation adjustment by £12 million.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">(ii) Market liquidity</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group includes mid to bid-offer valuation adjustments against the expected cost of closing out the net market risk in the Group’s trading positions within a time frame that is consistent with historical trading activity and spreads that the trading desks have accessed historically during the ordinary course of business in normal market conditions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, the Group’s derivative trading business held mid to bid-offer valuation adjustments of £52 million (2022: £61 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 21: Fair values of financial assets and liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(D) Sensitivity of level 3 valuations</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Critical accounting judgements and key sources of estimation uncertainty</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:28.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:69.788%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Key sources of estimation uncertainty:</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Interest rate spreads, credit spreads, earnings multiples and interest rate volatility</span></div></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s valuation control framework and a description of level 1, 2 and 3 financial assets and liabilities is set out in section (1) above. The valuation techniques for level 3 financial instruments involve management judgement and estimates, the extent of which depends on the complexity of the instrument and the availability of market observable information. In addition, in line with market practice, the Group applies credit, debit and funding valuation adjustments in determining the fair value of its uncollateralised derivative positions. A description of these adjustments is set out in section (C)(i) above. A quantitative analysis of the sensitivities to market risk arising from the Group’s trading portfolios is set out in the tables marked audited on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">page </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%"><a href="#i5053514a6de542098ae3cc356eee036e_3045" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">87</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:11.709%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.019%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.019%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.215%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.215%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.215%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.215%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.215%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.223%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Effect of reasonably possible<br/>alternative assumptions</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Effect of reasonably possible<br/>alternative assumptions</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Valuation techniques</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Significant<br/>unobservable inputs</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Favourable<br/>changes<br/>£m</span></td><td colspan="6" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unfavourable<br/>changes<br/>£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Favourable<br/>changes<br/>£m</span></td><td colspan="6" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unfavourable<br/>changes<br/>£m</span></td></tr><tr><td colspan="42" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through profit or loss</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate spreads</span></div><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(-50bps/+272bps)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,890</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">369</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(351)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,883 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">356 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(385)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit spreads </span></div><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(+/- 6%)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">445</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(41)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">162 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity and venture capital investments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Market approach</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Earnings multiple (1.6/17.8)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">6</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,228</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">131</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(131)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,907 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">84 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(84)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying asset/net asset value (incl. property prices)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n/a</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">809</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(99)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">771 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">81 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unlisted equities, debt securities and property partnerships in the life funds</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying asset/net asset value (incl. property prices), broker quotes or discounted cash flows</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n/a</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">309</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">581 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(33)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,681</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,304 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="42" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lead manager or broker quote/consensus pricing</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n/a</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity and venture capital investments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying asset/net asset value (incl. property prices)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">n/a</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">232</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">342 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="42" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivative financial assets</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Option pricing <br/>model</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate volatility (13%/200%)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">7</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">422</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">553 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="9" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3 financial assets carried at fair value</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,387</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,199 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="42" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial liabilities at fair value through profit or loss</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securitisation notes and other</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate spreads</span></div><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(+/– 50bps)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">8</span></div></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="42" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivative financial liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Option pricing model</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate volatility (13%/200%)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">7</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">444</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">608 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="9" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3 financial liabilities carried at fair value</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">486</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">653 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Where the exposure to an unobservable input is managed on a net basis, only the net impact is shown in the table. </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Ranges are shown where appropriate and represent the highest and lowest inputs used in the level 3 valuations.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Underlying asset/net asset values represent fair value.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 2022: -50bps/+289bps.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 2022: +/- 6%.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6 2022: 1.9/15.2.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7 2022: 17%/105%.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8 2022: +/- 50bps.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 21: Fair values of financial assets and liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Unobservable inputs</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Significant unobservable inputs affecting the valuation of debt securities, unlisted equity investments and derivatives are as follows:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Credit spreads represent the premium above the benchmark reference instrument required to compensate for lower credit quality; higher spreads lead to a lower fair value</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Volatility parameters represent key attributes of option behaviour; higher volatilities typically denote a wider range of possible outcomes</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Earnings multiples are used to value certain unlisted equity investments. The earnings multiples used are derived from those of listed entities operating in the same sector with adjustments made for factors such as the size of the company and the quality of its earnings. The majority of the Group’s venture capital investments are valued using an estimate of the company’s maintainable earnings before interest, tax, depreciation and amortisation and in accordance with the International Private Equity and Venture Capital Valuation Guidelines. A higher earnings multiple will result in a higher fair value</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Reasonably possible alternative assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Valuation techniques applied to many of the Group’s level 3 instruments often involve the use of two or more inputs whose relationship is interdependent. The calculation of the effect of reasonably possible alternative assumptions included in the table above reflects such relationships.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Debt securities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Reasonably possible alternative assumptions have been determined in respect of the Group’s structured credit investments by flexing credit spreads.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Derivatives</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Reasonably possible alternative assumptions have been determined in respect of swaptions in the Group’s derivative portfolios which are priced using industry standard option pricing models. Such models require interest rate volatilities which may be unobservable at longer maturities. To derive reasonably possible alternative valuations these volatility parameters have been flexed within a range of 13 per cent to 200 per cent (2022: 17 per cent to 105 per cent).</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Unlisted equity, venture capital investments and investments in property partnerships</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The valuation techniques used for unlisted equity and venture capital investments vary depending on the nature of the investment. Reasonably possible alternative valuations for these investments have been calculated by reference to the approach taken, as appropriate to the business sector and investment circumstances and as such the following inputs have been considered:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">For valuations derived from earnings multiples, consideration is given to the risk attributes, growth prospects and financial gearing of comparable businesses when selecting an appropriate multiple</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">The discount rates used in discounted cash flow valuations</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">In line with International Private Equity and Venture Capital Guidelines, the values of underlying investments in fund investment portfolios</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(3) Financial assets and liabilities carried at amortised cost</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(A) Financial assets</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Valuation hierarchy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below analyses the fair values of those financial assets of the Group which are carried at amortised cost by valuation methodology (level 1, 2 or 3, as described on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%">page F-<a href="#ide22fb8deb4c4abc81029b48446d312a_1044" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">53</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">). Financial assets carried at amortised cost are mainly classified as level 3 due to significant unobservable inputs used in the valuation models. Where inputs are observable, debt securities are classified as level 1 or 2.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:52.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Fair<br/>value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Valuation hierarchy</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">439,449</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">439,449</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,139</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,939</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,200</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514,635</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">504,123</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">49,710</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">454,413</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">450,071 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">450,071 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,930 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,647 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">116 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,322 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">515,498 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54,512 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">460,819 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 21: Fair values of financial assets and liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Valuation methodology</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Loans and advances to banks</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The carrying value of short-dated loans and advances to banks is assumed to be their fair value. The fair value of other loans and advances to banks is estimated by discounting the anticipated cash flows at a market discount rate adjusted for the credit spread of the obligor or, where not observable, the credit spread of borrowers of similar credit quality.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Loans and advances to customers</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group provides loans and advances to commercial, corporate and personal customers at both fixed and variable rates.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">To determine the fair value of loans and advances to customers, loans are segregated into portfolios of similar characteristics. A number of techniques are used to estimate the fair value of fixed rate lending; these take account of expected credit losses based on historic trends, prevailing market interest rates and expected future cash flows. For retail exposures, fair value is usually estimated by discounting anticipated cash flows (including interest at contractual rates) at market rates for similar loans offered by the Group and other financial institutions. Certain loans secured on residential properties are made at a fixed rate for a limited period, typically <span style="-sec-ix-hidden:f-3671">two</span> to <span style="-sec-ix-hidden:f-3672">five</span> years, after which the loans revert to the relevant variable rate. The fair value of such loans is estimated by reference to market rates for similar loans of maturity equal to the remaining fixed interest rate period. The fair value of commercial loans is estimated by discounting anticipated cash flows at a rate which reflects the effects of interest rate changes, adjusted for changes in credit risk.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Reverse repurchase agreements</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The carrying amount is deemed a reasonable approximation of fair value given the short-term nature of these instruments.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Debt securities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair values of debt securities are determined predominantly from lead manager quotes and, where these are not available, by alternative techniques including reference to credit spreads on similar assets with the same obligor, market standard consensus pricing services, broker quotes and other research data.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(B) Financial liabilities</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Valuation hierarchy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below analyses the fair values of those financial liabilities of the Group which are carried at amortised cost by valuation methodology (level 1, 2 or 3, as described on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%">page F-<a href="#ide22fb8deb4c4abc81029b48446d312a_1044" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">53</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">).</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:50.865%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Fair<br/>value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Valuation hierarchy</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,253</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,345</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,345</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,268 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,268 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,147 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,147 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71,975 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71,975 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,730 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,065 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,065 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Valuation methodology</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Deposits from banks and customer deposits</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair value of bank and customer deposits repayable on demand is assumed to be equal to their carrying value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair value for all other deposits is estimated using discounted cash flows applying either market rates, where applicable, or current rates for deposits of similar remaining maturities.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Repurchase agreements at amortised cost</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The carrying amount is deemed a reasonable approximation of fair value given the short-term nature of these instruments.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Debt securities in issue at amortised cost</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair value of short-term debt securities in issue is approximately equal to their carrying value. Fair value for other debt securities in issue is calculated based on quoted market prices where available. Where quoted market prices are not available, fair value is estimated using discounted cash flow techniques at a rate which reflects market rates of interest and the Group’s own credit spread.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Subordinated liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair value of subordinated liabilities is determined by reference to quoted market prices where available or by reference to quoted market prices of similar instruments. Subordinated liabilities are classified as level 2, since the inputs used to determine their fair value are largely observable.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(4) Reclassifications of financial assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">There have been no reclassifications of financial assets in 2022 or 2023.</span></div>
CY2023Q4	ifrs-full	Financial Assets At Fair Value FinancialAssetsAtFairValue	253266000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value FinancialAssetsAtFairValue	228676000000	gbp
CY2023Q4	ifrs-full	Financial Liabilities At Fair Value FinancialLiabilitiesAtFairValue	90041000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value FinancialLiabilitiesAtFairValue	81273000000	gbp
CY2023Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	21638000000	gbp
CY2023Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue	181680000000	gbp
CY2023Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	203318000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	14216000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue	166553000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	180769000000	gbp
CY2023Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	24914000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	17755000000	gbp
CY2023	ifrs-full	Disclosure Of Financial Liabilities Explanatory DisclosureOfFinancialLiabilitiesExplanatory	). The table below analyses these financial liabilities by balance sheet classification and valuation methodology (level 1, 2 or 3, as described on <span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%">page F-<a href="#ide22fb8deb4c4abc81029b48446d312a_1044" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">53</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and 2 during the year.</span><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:61.782%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.638%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities in respect of securities sold under repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,057</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,057</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Short positions in securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,569</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,574</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total trading liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,569</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,062</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,631</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities designated at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,223</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,265</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,241</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,283</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial liabilities (excluding derivatives) at fair value</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,569</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23,303</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24,914</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities in respect of securities sold under repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Short positions in securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,505 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,540 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total trading liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,505 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,072 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,577 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities designated at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,114 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,159 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,133 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,178 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total financial liabilities (excluding derivatives) at fair value</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,505 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,205 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,755 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	19631000000	gbp
CY2023Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition	5283000000	gbp
CY2023Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	24914000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	12577000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition	5178000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	17755000000	gbp
CY2023Q4	lyg	Amount Contractually Payable On Debt Securities Held At Fair Value Through Profit Or Loss AmountContractuallyPayableOnDebtSecuritiesHeldAtFairValueThroughProfitOrLoss	10433000000	gbp
CY2023Q4	lyg	Difference Between The Balance Sheet Carrying Value And Amount Contractually Payable On Debt Securities Held At Fair Value Through Profit Or Loss DifferenceBetweenTheBalanceSheetCarryingValueAndAmountContractuallyPayableOnDebtSecuritiesHeldAtFairValueThroughProfitOrLoss	5167000000	gbp
CY2022Q4	lyg	Amount Contractually Payable On Debt Securities Held At Fair Value Through Profit Or Loss AmountContractuallyPayableOnDebtSecuritiesHeldAtFairValueThroughProfitOrLoss	11195000000	gbp
CY2022Q4	lyg	Difference Between The Balance Sheet Carrying Value And Amount Contractually Payable On Debt Securities Held At Fair Value Through Profit Or Loss DifferenceBetweenTheBalanceSheetCarryingValueAndAmountContractuallyPayableOnDebtSecuritiesHeldAtFairValueThroughProfitOrLoss	6036000000	gbp
CY2023	ifrs-full	Increase Decrease In Fair Value Measurement Liabilities IncreaseDecreaseInFairValueMeasurementLiabilities	-90000000	gbp
CY2023	ifrs-full	Other Comprehensive Income Before Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	-234000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Before Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	519000000	gbp
CY2023	ifrs-full	Other Comprehensive Income Before Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	-234000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Before Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	519000000	gbp
CY2023Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22356000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2023Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	20149000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2023Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22356000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2023Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	20149000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2023	ifrs-full	Disclosure Of Significant Adjustments To Valuation Obtained Explanatory DisclosureOfSignificantAdjustmentsToValuationObtainedExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table summarises the movement on this valuation adjustment account during 2022 and 2023:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">381</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">456 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Income statement credit</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(102)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(75)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">276</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">381 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Represented by:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit Valuation Adjustment</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">191</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">294 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debit Valuation Adjustment</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(34)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(55)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Funding Valuation Adjustment</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">119</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">142 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">276</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">381 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2022Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	381000000	gbp
CY2021Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	456000000	gbp
CY2023	lyg	Total Derivative Valuation Adjustment Income Statement Chargecredit TotalDerivativeValuationAdjustmentIncomeStatementChargecredit	-102000000	gbp
CY2022	lyg	Total Derivative Valuation Adjustment Income Statement Chargecredit TotalDerivativeValuationAdjustmentIncomeStatementChargecredit	-75000000	gbp
CY2023	lyg	Total Derivative Valuation Adjustment Transfers TotalDerivativeValuationAdjustmentTransfers	3000000	gbp
CY2022	lyg	Total Derivative Valuation Adjustment Transfers TotalDerivativeValuationAdjustmentTransfers	0	gbp
CY2023Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	276000000	gbp
CY2022Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	381000000	gbp
CY2023Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	276000000	gbp
CY2022Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	381000000	gbp
CY2023	lyg	Percentage Increase Decrease In Loss Given Default PercentageIncreaseDecreaseInLossGivenDefault	0.10
CY2023	lyg	Debt Instrument Interest Rate Increase Decrease1 DebtInstrumentInterestRateIncreaseDecrease1	0.01
CY2023	lyg	Increase Decrease In Basis Points In Cost Of Funds IncreaseDecreaseInBasisPointsInCostOfFunds	0.0010
CY2023	ifrs-full	Adjustments For Gains Losses On Change In Fair Value Of Derivatives AdjustmentsForGainsLossesOnChangeInFairValueOfDerivatives	52000000	gbp
CY2022	ifrs-full	Adjustments For Gains Losses On Change In Fair Value Of Derivatives AdjustmentsForGainsLossesOnChangeInFairValueOfDerivatives	61000000	gbp
CY2023	ifrs-full	Disclosure Of Fair Value Measurement Of Assets Explanatory DisclosureOfFairValueMeasurementOfAssetsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below analyses the fair values of those financial assets of the Group which are carried at amortised cost by valuation methodology (level 1, 2 or 3, as described on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%">page F-<a href="#ide22fb8deb4c4abc81029b48446d312a_1044" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">53</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">). Financial assets carried at amortised cost are mainly classified as level 3 due to significant unobservable inputs used in the valuation models. Where inputs are observable, debt securities are classified as level 1 or 2.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:52.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Fair<br/>value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Valuation hierarchy</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">439,449</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">439,449</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,139</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,939</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,200</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514,635</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">504,123</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">49,710</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">454,413</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">450,071 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">450,071 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,930 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,647 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">116 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,322 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">515,498 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54,512 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">460,819 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Disclosure Of Fair Value Measurement Of Liabilities Explanatory DisclosureOfFairValueMeasurementOfLiabilitiesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below analyses the fair values of those financial liabilities of the Group which are carried at amortised cost by valuation methodology (level 1, 2 or 3, as described on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%">page F-<a href="#ide22fb8deb4c4abc81029b48446d312a_1044" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">53</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">).</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:50.865%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Fair<br/>value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Valuation hierarchy</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,253</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,345</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,345</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,268 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,268 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,147 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,147 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71,975 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71,975 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,730 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,065 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,065 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Disclosure Of Derivative Financial Instruments Explanatory DisclosureOfDerivativeFinancialInstrumentsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 22: Derivative financial instruments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair values and notional amounts of derivative instruments are set out in the following table:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Contract/<br/>notional<br/>amount<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Fair value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contract/<br/>notional<br/>amount<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Trading and other</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange rate contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">572,858</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,631</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,222</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">464,223 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,733 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,654,512</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,116</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,724</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,257,548 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,966 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,332 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,349</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">118</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,689 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">134 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">118 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equity, commodity and other contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,463</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">455</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">580</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">845 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">849 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total derivative assets/liabilities – trading and other</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,242,182</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,253</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,644</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,744,950 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,678 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,515 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Hedging</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivatives designated as fair value hedges</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">153,674</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">83</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">425</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">152,697 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">503 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivatives designated as cash flow hedges</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">466,344</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">251,245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">64 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total derivative assets/liabilities – hedging</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">620,018</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">103</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">505</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">403,942 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">527 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total recognised derivative assets/liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,862,200</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,356</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,149</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,148,892 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,753 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,042 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The notional amount of the contract does not represent the Group’s exposure to credit risk, which is limited to the current cost of replacing contracts with a positive value to the Group should the counterparty default. To reduce credit risk the Group uses a variety of credit enhancement techniques such as netting and collateralisation, where security is provided against the exposure; a large proportion of the Group’s derivatives are held through exchanges such as London Clearing House and are collateralised through those exchanges. Further details are provided in note 52 Credit risk.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group holds derivatives as part of the following strategies:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Customer driven, where derivatives are held as part of the provision of risk management products to Group customers</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">To manage and hedge the Group’s interest rate and foreign exchange risk arising from normal banking business. The hedge accounting strategy adopted by the Group is to utilise a combination of fair value and cash flow hedge approaches as described in note 52</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Derivatives held in policyholder funds as permitted by the investment strategies of those funds</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The principal derivatives used by the Group are as follows:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Interest rate related contracts include interest rate swaps, forward rate agreements and options. An interest rate swap is an agreement between two parties to exchange fixed and floating interest payments, based upon interest rates defined in the contract, without the exchange of the underlying principal amounts. Forward rate agreements are contracts for the payment of the difference between a specified rate of interest and a reference rate, applied to a notional principal amount at a specific date in the future. An interest rate option gives the buyer, on payment of a premium, the right, but not the obligation, to fix the rate of interest on a future loan or deposit, for a specified period and commencing on a specified future date</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Exchange rate related contracts include forward foreign exchange contracts, currency swaps and options. A forward foreign exchange contract is an agreement to buy or sell a specified amount of foreign currency on a specified future date at an agreed rate. Currency swaps generally involve the exchange of interest payment obligations denominated in different currencies; the exchange of principal can be notional or actual. A currency option gives the buyer, on payment of a premium, the right, but not the obligation, to sell specified amounts of currency at agreed rates of exchange on or before a specified future date</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Credit derivatives, principally credit default swaps, are used by the Group as part of its trading activity and to manage its own exposure to credit risk. A credit default swap is a swap in which one counterparty receives a premium at pre-set intervals in consideration for guaranteeing to make a specific payment should a negative credit event take place</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Equity derivatives are also used by the Group as part of its equity-based retail product activity to eliminate the Group’s exposure to fluctuations in various international stock exchange indices. Index-linked equity options are purchased which give the Group the right, but not the obligation, to buy or sell a specified amount of equities, or basket of equities, in the form of published indices on or before a specified future date</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 22: Derivative financial instruments</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Details of the Group’s hedging instruments are set out below:</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:41.112%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.924%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.924%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.924%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.924%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.924%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.933%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="33" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Maturity</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Up to 1 month<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 3 months<br/>£m</span></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 12 months<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 5 years<br/>£m</span></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 5 years<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cross currency swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.28%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,908</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,778</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,353</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87,119</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39,481</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">153,639</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.95%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.72%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.03%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.90%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.00%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">470</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,648</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">541</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,684</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.08</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.07</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average USD/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.23</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.24</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,501</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23,015</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">76,439</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284,969</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">69,736</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">463,660</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.13%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.14%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.82%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.35%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.58%</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:40.239%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.076%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="33" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maturity</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Up to 1 month<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 3 months<br/>£m</span></td><td colspan="6" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 to 12 months<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 5 years<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Over 5 years<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cross currency swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.28%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.38 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,904 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,765 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,488 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">64,307 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36,198 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">152,662 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.51%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.17%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.72%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.92%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.94%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">509 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,004 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,542 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.15 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.10 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.04 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average USD/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.24 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,741 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,472 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,175 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">161,391 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50,924 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">249,703 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.01%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.18%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.36%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.40%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.60%</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 22: Derivative financial instruments</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The carrying amounts of the Group’s hedging instruments are as follows:</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:59.889%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.528%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying amount of the hedging instrument</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Contract/<br/>notional<br/>amount<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Changes in fair<br/>value used for<br/>calculating<br/>hedge<br/>ineffectiveness<br/>£m</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">153,639</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">425</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,665)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,684</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">72</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(138)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">463,660</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,541</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:59.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.819%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount of the hedging instrument</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contract/<br/>notional<br/>amount<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Changes in fair<br/>value used for<br/>calculating<br/>hedge<br/>ineffectiveness<br/>£m</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">152,662 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">503 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,286 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,542 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">198 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">249,703 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,990)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">All amounts are held within derivative financial instruments.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 22: Derivative financial instruments</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s hedged items are as follows:</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:26.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.817%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.369%"></td><td style="width:0.1%"></td></tr><tr style="height:21pt"><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying amount of<br/>the hedged item</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated amount of<br/>fair value adjustment on<br/>the hedged item</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Change in fair<br/>value of hedged<br/>item for<br/>ineffectiveness<br/>assessment<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Cash flow hedging reserve</span></td></tr><tr style="height:6pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Continuing<br/>hedges<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Discontinued<br/>hedges<br/>£m</span></td></tr><tr style="height:18pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate mortgages</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,871</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,544</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate issuance</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">50,466</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,365</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,110)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate bonds</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24,146</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(331)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">962</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign currency issuance</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">138</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">69</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer loans</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,796)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,934)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,885)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Central bank balances</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(648)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(624)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,462)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">262</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,591</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:26.119%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.370%"></td><td style="width:0.1%"></td></tr><tr style="height:21pt"><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount of<br/>the hedged item</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Accumulated amount of<br/>fair value adjustment on<br/>the hedged item</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change in fair<br/>value of hedged<br/>item for<br/>ineffectiveness<br/>assessment<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash flow hedging reserve</span></td></tr><tr style="height:6pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Continuing<br/>hedges<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Discontinued<br/>hedges<br/>£m</span></td></tr><tr style="height:18pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate mortgages</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,282 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,602)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,198)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate issuance</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52,190 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,392 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,223 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate bonds</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,259 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,549)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,350)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign currency issuance</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">134 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer loans</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,636 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,587)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(868)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Central bank balances</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,703 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,130)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(965)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,295)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,781 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(76)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Included within loans and advances to customers.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Included within debt securities in issue at amortised cost.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Included within financial assets at amortised cost and financial assets at fair value through other comprehensive income.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Included within customer deposits.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 Included within cash and balances at central banks.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The accumulated amount of fair value hedge adjustments remaining on the balance sheet for hedged items that have ceased to be adjusted for hedging gains and losses is a liability of £1,446 million relating to fixed rate issuances of £656 million and mortgages of £790 million (2022: liability of £1,988 million relating to fixed rate issuances of £760 million and mortgages of £1,228 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 22: Derivative financial instruments</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Gains and losses arising from hedge accounting are summarised as follows:</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:40.821%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.151%"></td><td style="width:0.1%"></td></tr><tr style="height:18pt"><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gain (loss)<br/>recognised<br/>in other<br/>comprehensive<br/>income<br/>£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Hedge</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">ineffectiveness</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">recognised in</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">the income</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">statement</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Amounts reclassified from reserves<br/>to income statement as:</span></td></tr><tr style="height:48pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Hedged<br/>cash flows<br/>will no<br/>longer<br/>occur<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Hedged<br/>item<br/>affected<br/>income<br/>statement<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Income<br/>statement<br/>line item<br/>that includes<br/>reclassified<br/>amount</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate mortgages</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(264)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate issuance</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(17)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate bonds</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign currency issuance</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(138)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest expense</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest expense</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(37)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,674</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest income</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Central bank balances</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">725</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest income</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">436</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(552)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest expense</span></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:40.821%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.151%"></td><td style="width:0.1%"></td></tr><tr style="height:18pt"><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gain (loss)<br/>recognised<br/>in other<br/>comprehensive<br/>income<br/>£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedge</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ineffectiveness</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">recognised in</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">the income</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">statement</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts reclassified from reserves<br/>to income statement as:</span></td></tr><tr style="height:48pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedged<br/>cash flows<br/>will no<br/>longer<br/>occur<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedged<br/>item<br/>affected<br/>income<br/>statement<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income<br/>statement<br/>line item<br/>that includes<br/>reclassified<br/>amount</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate mortgages</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate issuance</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(49)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate bonds</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign currency issuance</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">198 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest expense</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest expense</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,145)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(30)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">53 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest income</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Central bank balances</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,831)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest income</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,785 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest expense</span></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Hedge ineffectiveness is included in the income statement within net trading income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">There was no gain or loss in either 2023 or 2022 reclassified from the cash flow hedging reserve for which hedge accounting had previously been used but for which the hedged future cash flows are no longer expected to occur.</span></div>
CY2023Q4	ifrs-full	Notional Amount NotionalAmount	8862200000000	gbp
CY2023Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22356000000	gbp
CY2023Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	20149000000	gbp
CY2022Q4	ifrs-full	Notional Amount NotionalAmount	7148892000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2023	ifrs-full	Disclosure Of Information About Terms And Conditions Of Hedging Instruments And How They Affect Future Cash Flows Explanatory DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Details of the Group’s hedging instruments are set out below:</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:41.112%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.924%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.924%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.924%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.924%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.924%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.933%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="33" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Maturity</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Up to 1 month<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 3 months<br/>£m</span></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 12 months<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 5 years<br/>£m</span></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 5 years<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cross currency swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.28%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,908</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,778</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,353</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87,119</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39,481</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">153,639</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.95%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.72%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.03%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.90%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.00%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">470</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,648</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">541</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,684</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.08</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.07</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average USD/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.23</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.24</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,501</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23,015</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">76,439</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284,969</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">69,736</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">463,660</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.13%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.14%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.82%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.35%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.58%</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:40.239%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.070%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.076%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="33" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maturity</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Up to 1 month<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 3 months<br/>£m</span></td><td colspan="6" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 to 12 months<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 5 years<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Over 5 years<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cross currency swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.28%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.38 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,904 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,765 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,488 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">64,307 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36,198 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">152,662 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.51%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.17%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.72%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.92%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.94%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">509 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,004 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,542 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.15 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.10 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.04 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average USD/GBP exchange rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.24 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.25 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,741 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,472 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,175 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">161,391 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50,924 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">249,703 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.01%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.18%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.36%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.40%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.60%</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr></table></div>
CY2023	ifrs-full	Disclosure Of Hedge Accounting Explanatory DisclosureOfHedgeAccountingExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The carrying amounts of the Group’s hedging instruments are as follows:</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:59.889%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.528%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying amount of the hedging instrument</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Contract/<br/>notional<br/>amount<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Changes in fair<br/>value used for<br/>calculating<br/>hedge<br/>ineffectiveness<br/>£m</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">153,639</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">425</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,665)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,684</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">72</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(138)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">463,660</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,541</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:59.598%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.819%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount of the hedging instrument</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contract/<br/>notional<br/>amount<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Changes in fair<br/>value used for<br/>calculating<br/>hedge<br/>ineffectiveness<br/>£m</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">152,662 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">503 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,286 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,542 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">198 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">249,703 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,990)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Disclosure Of Detailed Information About Hedged Items Explanatory DisclosureOfDetailedInformationAboutHedgedItemsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s hedged items are as follows:</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:26.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.817%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.369%"></td><td style="width:0.1%"></td></tr><tr style="height:21pt"><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying amount of<br/>the hedged item</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Accumulated amount of<br/>fair value adjustment on<br/>the hedged item</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Change in fair<br/>value of hedged<br/>item for<br/>ineffectiveness<br/>assessment<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Cash flow hedging reserve</span></td></tr><tr style="height:6pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Continuing<br/>hedges<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Discontinued<br/>hedges<br/>£m</span></td></tr><tr style="height:18pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate mortgages</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,871</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,544</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate issuance</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">50,466</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,365</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,110)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate bonds</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24,146</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(331)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">962</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign currency issuance</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">138</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">69</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer loans</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,796)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,934)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,885)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Central bank balances</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(648)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(624)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,462)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">262</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,591</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:26.119%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.370%"></td><td style="width:0.1%"></td></tr><tr style="height:21pt"><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount of<br/>the hedged item</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" rowspan="2" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Accumulated amount of<br/>fair value adjustment on<br/>the hedged item</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change in fair<br/>value of hedged<br/>item for<br/>ineffectiveness<br/>assessment<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash flow hedging reserve</span></td></tr><tr style="height:6pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Continuing<br/>hedges<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Discontinued<br/>hedges<br/>£m</span></td></tr><tr style="height:18pt"><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate mortgages</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,282 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,602)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,198)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate issuance</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52,190 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,392 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,223 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed rate bonds</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,259 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,549)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,350)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign exchange</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign currency issuance</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">134 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer loans</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,636 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,587)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(868)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Central bank balances</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,703 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,130)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(965)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,295)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,781 </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(76)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Included within loans and advances to customers.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Included within debt securities in issue at amortised cost.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Included within financial assets at amortised cost and financial assets at fair value through other comprehensive income.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Included within customer deposits.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 Included within cash and balances at central banks.</span></div>
CY2023Q4	lyg	Hedged Asset Liability Fair Value Hedge1 HedgedAssetLiabilityFairValueHedge1	-1446000000	gbp
CY2022Q4	lyg	Hedged Asset Liability Fair Value Hedge1 HedgedAssetLiabilityFairValueHedge1	-1988000000	gbp
CY2023	ifrs-full	Disclosure Of Allowance For Credit Losses Explanatory DisclosureOfAllowanceForCreditLossesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group recognises an allowance for expected credit losses (ECLs) for loans and advances to customers and banks, other financial assets held at amortised cost, financial assets (other than equity investments) measured at fair value through other comprehensive income and certain loan commitment and financial guarantee contracts. At 31 December 2023, the Group’s expected credit loss allowance was £4,084 million (2022: £4,903 million), of which £3,762 million (2022: £4,580 million) was in respect of drawn balances.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s total impairment allowances were as follows:</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:25.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="27" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Allowance for expected credit losses</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 22.26pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">161</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">374</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">357</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,105</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 22.26pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">168</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">401</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">130</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">699</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 22.26pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">339</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">320</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">228</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">887</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">668</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,095</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">715</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,691</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">232</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">372</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">418</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">900</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,467</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,137</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,717</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">915</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,469</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,139</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,736</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">26</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="24" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Provisions in relation to loan commitments and financial guarantees</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">160</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">160</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">322</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,091</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,629</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,151</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,084</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="24" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:25.974%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.458%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="27" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allowance for expected credit losses</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="24" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 22.26pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">552 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">311 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,207 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 22.26pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">120 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">433 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">666 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 22.26pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">275 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">409 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">259 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">943 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">486 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,394 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">683 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,816 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">214 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">414 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,070 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,698 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="24" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">700 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,808 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,757 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,518 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">721 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,810 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,758 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,542 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="24" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Provisions in relation to loan commitments and financial guarantees</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">134 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">185 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">323 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">855 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,995 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,800 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,903 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="24" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item)</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The calculation of the Group’s expected credit loss allowances and provisions against loan commitments and guarantees, which are set out above, under IFRS 9 requires the Group to make a number of judgements, assumptions and estimates. The most significant are set out below:</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Critical accounting judgements and key sources of estimation uncertainty</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:28.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:69.788%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Critical judgements:</span></td><td colspan="3" style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Determining an appropriate definition of default against which a probability of default, exposure at default and loss given default parameter can be evaluated</span></div></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Establishing the criteria for a significant increase in credit risk (SICR)</span></div></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">The individual assessment of material cases and the use of judgemental adjustments made to impairment modelling processes that adjust inputs, parameters and outputs to reflect risks not captured by models</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Key source of estimation uncertainty:</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-right:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Base case and multiple economic scenarios (MES) assumptions, including the rate of unemployment and the rate of change of house prices, required for creation of MES scenarios and forward-looking credit parameters</span></div></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Definition of default</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The probability of default (PD) of an exposure, both over a 12-month period and over its lifetime, is a key input to the measurement of the ECL allowance. Default has occurred when there is evidence that the customer is experiencing significant financial difficulty which is likely to affect the ability to repay amounts due. The definition of default adopted by the Group is described in note 2(H) Impairment of financial assets. IFRS 9 contains a rebuttable presumption that default occurs no later than when a payment is 90 days past due which the Group now uses for all its products following changes to the definition of default for UK mortgages on 1 January 2022. In addition, other indicators of mortgage default include end-of-term payments on past due interest-only accounts and loans considered in probation due to recent arrears or forbearance, aligning the definition of Stage 3 credit-impaired for IFRS 9 to the CRD IV prudential regulatory definition of default.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Significant increase in credit risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">An ECL allowance equivalent to 12 months’ expected losses is established against assets in Stage 1; assets classified as Stage 2 carry an ECL allowance equivalent to lifetime expected losses. Assets are transferred from Stage 1 to Stage 2 when there has been a significant increase in credit risk (SICR) since initial recognition. Credit-impaired assets are transferred to Stage 3 with a lifetime expected losses allowance. The Group uses both quantitative and qualitative indicators to determine whether there has been a SICR for an asset. For Retail, the following tables set out the retail master scale (RMS) grade triggers which result in a SICR for financial assets and the PD boundaries for each RMS grade.</span></div><div style="margin-bottom:1pt"><span id="ie6c60f4a86254c2198d1926b1e95d536_3794"></span><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">SICR triggers for key Retail portfolios</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:55.086%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.160%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Origination grade</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">6</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">7</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgages SICR grade</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards, loans and overdrafts SICR grade</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:12.291%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.140%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.159%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.161%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">RMS grade</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">5</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">6</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">7</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">8</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">9</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">10</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">11</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">12</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">13</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">14</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PD boundary</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> (%)</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.10 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.40 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.80 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.20 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.50 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.50 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.50 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.00 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.00 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20.00 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30.00 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45.00 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99.99 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100.00 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Probability-weighted annualised lifetime probability of default.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For Commercial a doubling of PD with a minimum increase in PD of 1 per cent and a resulting change in the underlying grade is treated as a SICR.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group uses the internal credit risk classification and watchlist as qualitative indicators to identify a SICR. The Group does not use the low credit risk exemption in its staging assessments. The use of a payment holiday in and of itself has not been judged to indicate a significant increase in credit risk, nor forbearance, with the underlying long-term credit risk deemed to be driven by economic conditions and captured through the use of forward-looking models. These portfolio level models are capturing the anticipated volume of increased defaults and therefore an appropriate assessment of staging and expected credit loss.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">All financial assets are assumed to have suffered a SICR if they are more than 30 days past due; credit cards, loans and overdrafts financial assets are also assumed to have suffered a SICR if they are in arrears on three or more separate occasions in a rolling 12-month period. Financial assets are classified as credit-impaired if they are 90 days past due.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A Stage 3 asset that is no longer credit-impaired is transferred back to Stage 2 as no general probation period is applied to assets in Stage 3. UK mortgages is an exception to this rule where a probation period is enforced for non-performing, forborne and defaulted exposures in accordance with prudential regulation. If an exposure that is classified as Stage 2 no longer meets the SICR criteria, which in some cases capture customer behaviour in previous periods, it is moved back to Stage 1.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The setting of precise trigger points combined with risk indicators requires judgement. The use of different trigger points may have a material impact upon the size of the ECL allowance. The Group monitors the effectiveness of SICR criteria on an ongoing basis.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Lifetime of an exposure</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A range of approaches, segmented by product type, has been adopted by the Group to estimate a product’s expected life. These include using the full contractual life and taking into account behavioural factors such as early repayments, extensions and refinancing. For non-revolving retail assets, the Group has assumed the expected life for each product to be the time taken for all significant losses to be observed. For revolving retail products, the Group has considered the losses beyond the contractual term over which the Group is exposed to credit risk. For commercial overdraft facilities, the average behavioural life has been used. Changes to the assumed expected lives of the Group’s assets could impact the ECL allowance recognised by the Group. The assessment of SICR and corresponding lifetime loss, and the PD, of a financial asset designated as Stage 2, or Stage 3, is dependent on its expected life.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Individual assessments and application of judgement in adjustments to modelled ECL</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below analyses total ECL allowances by portfolio, separately identifying the amounts that have been modelled, those that have been individually assessed and those arising through the application of judgemental adjustments.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:47.226%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.652%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.652%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.652%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.652%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.658%"></td><td style="width:0.1%"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Modelled<br/>ECL<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Individually<br/>assessed<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Judgements due to:</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>ECL<br/>£m</span></td></tr><tr style="height:33pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Inflationary<br/>and interest<br/>rate risk<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">991</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">61</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,115</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">92</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">810</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">866</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">46</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">945</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,124</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">340</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(282)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,182</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,716</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">340</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">186</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(158)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,084</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">946 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">49 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">214 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,209 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">698 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(28)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">763 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">903 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,016 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">972 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,008 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(111)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,869 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,565 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,008 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">195 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">135 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,903 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 2022 includes £1 million which was previously reported within judgements due to COVID-19. </span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Individual assessed ECL</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Stage 3 ECL in Commercial Banking is largely assessed on an individual basis by the Business Support Unit using bespoke assessment of loss for each specific client based on potential recovery strategies. While these assessments are based on the Group’s latest economic view, the use of Group-wide multiple economic scenarios and weightings is not considered appropriate for these cases due to their individual characteristics. In place of this, a range of case-specific outcomes are considered with any alternative better or worse outcomes that carry a 25 per cent likelihood taken into account in establishing a probability-weighted ECL. At 31 December 2023, individually assessed provisions for Commercial Banking were £340 million (2022: £1,008 million) which reflected a range of £291 million to £413 million (2022: £908 million to £1,140 million), based on the range of alternative outcomes considered.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Application of judgement in adjustments to modelled ECL</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Impairment models fall within the Group’s model risk framework with model monitoring, periodic validation and back testing performed on model components, such as probability of default. Limitations in the Group’s impairment models or data inputs may be identified through the ongoing assessment and validation of the output of the models. In these circumstances, management applies appropriate judgemental adjustments to the ECL to ensure that the overall provision adequately reflects all material risks. These adjustments are determined by considering the particular attributes of exposures which have not been adequately captured by the impairment models and range from changes to model inputs and parameters, at account level, through to more qualitative post-model adjustments. Post-model adjustments are not typically calculated under each distinct economic scenario used to generate ECL, but on final modelled ECL. All adjustments are reviewed quarterly and are subject to internal review and challenge, including by the Audit Committee, to ensure that amounts are appropriately calculated and specific release criteria is identified.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">During 2022 the intensifying inflationary pressures, alongside rising interest rates within the Group’s outlook created further risks not deemed to be fully captured by ECL models. These pressures played out in 2023 with households experiencing increased interest rates and living costs. These risks, whilst still present, are beginning to subside with inflation now reducing and interest rates now believed to have peaked. As a result, the judgements held in respect of inflationary and interest rate risks are at a slightly reduced level of £186 million (2022: £195 million). Other judgements continue to be applied for broader data and model limitations, both increasing and decreasing ECL. These include incremental risks associated with a material devaluation in commercial real estate prices present since 2022. Given ECL models only capture future price movements, and not the suppressed level, there is a risk that further losses are yet to emerge as well as greater risk on specific sector valuations. At 31 December 2023 judgemental adjustments resulted in net additional ECL allowances totalling £28 million (2022: £330 million).</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Judgements due to inflationary and interest rate risk </span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">UK mortgages: £61 million (2022: £49 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">There has been only modest evidence of credit deterioration in the UK mortgages portfolio through 2023 despite the high levels of inflation and the rising interest rate environment. Increases in new to arrears and defaults that have emerged are mainly driven by variable rate customers, who have experienced material increases in their monthly payment. Mortgage ECL models use UK Bank Rate as a driver of predicted defaults largely capturing the stretch on customers due to increased payments, and that has contributed materially to the elevated levels of ECL at 31 December 2023. The impact is also partly mitigated by stressed affordability assessments applied at loan origination which means most customers have demonstrated the ability to absorb payment shocks. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">However, there remains a potential risk to affordability from continued inflationary pressures combined with higher interest rates, and that this may not be fully captured by the Group’s ECL models. The risk remains for customers maturing from low fixed rate deals, the accumulated impact on variable rate product holders, lower levels of real household income and rental cover value. Therefore a judgemental uplift in ECL has been taken in these segments of the mortgages portfolio, either where inflation is expected to present a more material risk, or where segments within the model do not recognise UK Bank Rate as a material driver of predicted defaults.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Credit cards: £92 million (2022: £93 million) and Other Retail: £33 million (2022: £53 million) </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s ECL models for credit cards and personal loan portfolios use predictions of wage growth to account for future affordability stress. As elevated inflation erodes nominal wage growth, adjustments have been made to the econometric models to account for real, rather than nominal, income to produce adjusted predicted defaults. These adjustments also include the specific risk to affordability from increased housing costs, not captured by CPI. As these adjustments are made within predicted default models, they are calculated under each economic scenario and impact the staging of assets through increased PDs.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Alongside these portfolio-wide adjustments management has also made an additional uplift to ECL for customers with lower income levels and higher indebtedness deemed most vulnerable to inflationary pressures and interest rate rises. Although this segment of customers has not exhibited any greater deterioration to date, uplifts continue to be applied to recognise that continued inflation and interest rates risks remain.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Other judgements</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">UK mortgages: £63 million (2022: £214 million)</span></div><div style="margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.007em;line-height:126%">These adjustments principally comprise:</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Increase in time to repossession: £106 million (2022: £118 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Due to the Group suspending mortgage litigation activity between late-2014 and mid-2018 due to policy changes for the treatment of arrears, and as collections strategy normalises post COVID-19 pandemic, the Group’s experience of possessions data on which our models rely is limited. This reflects an adjustment made to allow for an increase in the time assumed between default and repossession. A number of defaulted accounts, equivalent in scale to the estimated shortfall in possessions experienced, have had their provision coverage judgementally increased to the level of those accounts already in repossession. A further adjustment is made to accounts which have been in default for more than 24 months, with an arrears balance increase in the last six months. These accounts have their probability of possession judgmentally set to an increased level based on observed historical losses incurred on accounts that were of an equivalent status.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Asset recovery values: £nil(2022: £69 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The low level of repossession volumes throughout 2020 to 2022 restricted the calibration of Forced Sale Discount (FSD) model parameters which uses the achieved sales price experience over the last 12 months. Over this period management partly incorporated an increasing trend in FSD rates through judgementally extending the observation period. At December 2023 the level of sales volumes observed over the past 12 months has subsequently returned to an adequate level for model calibrations to again be performed removing the need for judgemental adjustment.</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Adjustment for specific segments: £23 million (2022: £25 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group monitors risks across specific segments of its portfolios which may not be fully captured through wider collective models. The judgement for fire safety and cladding uncertainty has been maintained. Though experience remains limited the risk is considered sufficiently material to address through judgement, given that there is evidence of assessed cases having defective cladding, or other fire safety issues.</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Adjustment for Stage 2 oversensitivity: £(68) million (2022: £nil)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Management has observed an increasing degree of oversensitivity in the number of recently originated low risk accounts moving to Stage 2 through the PD trigger mechanism. This arises from a blend of factors currently present, with the combination of the Group’s current MES assumptions and the uplift approach applied, disproportionately applying greater forward-looking uplifts to recent vintages. Given these accounts have shown no significant movement in observed credit scores and were originated under a similar or more adverse economic outlook, an adjustment has been made pending a model rebuild. Management has judgementally increased the threshold applied to these accounts by one further grade (to what is set out on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">page F-</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%"><a href="#ie6c60f4a86254c2198d1926b1e95d536_3794" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">73</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">) which results in £6 billion of assets being moved back to Stage 1 which results in a lower 12-month ECL.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Credit cards: £15 million (2022: £(28) million) and Other Retail: £46 million (2022: £60 million)</span></div><div style="margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.007em;line-height:126%">These adjustments principally comprise:</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Lifetime extension on revolving products: Credit cards: £67 million (2022: £82 million) and Other Retail: £10 million (2022: £14 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">An adjustment is required to extend the lifetime used for Stage 2 exposures on Retail revolving products from a three-year modelled lifetime, which reflected the outcome data available when the ECL models were developed. Incremental defaults beyond year three are calculated through the extrapolation of the default trajectory observed throughout the three years and beyond. The judgement has reduced slightly in the period following refinement to the discounting methodology applied.</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Adjustments to loss given defaults (LGDs): Credit cards: £(50) million (2022: £(96) million) and Other Retail: £37 million (2022: £13 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A number of adjustments have been made to the loss given default assumptions used within unsecured and motor credit models. For unsecured portfolios, the adjustments reflect the impact of changes in collection debt sale strategy on the Group’s LGD models, incorporating up to date customer performance and forward flow debt sale pricing. For motor, the adjustment captures a decline in used car prices. </span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Commercial Banking: £(282) million (2022: £(111) million)</span></div><div style="margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.007em;line-height:126%">These adjustments principally comprise:</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Corporate insolvency rates: £(292) million (2022: £(35) million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">During 2023, the volume of UK corporate insolvencies continued to exhibit an increasing trend beyond December 2019 levels, revealing a marked misalignment between observed UK corporate insolvencies and the Group’s credit performance. This dislocation gives rise to uncertainty over the drivers of observed trends and the appropriateness of the Group’s Commercial Banking model response which uses observed UK corporate insolvencies data to anchor future loss estimates to. Given the Group’s asset quality remains strong with low new defaults, a negative adjustment is applied by using the long-term average rate. The larger negative adjustment in the period reflects the widening gap between the increasing industry level and the long-term average rate used.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Adjustments to loss given defaults (LGDs): £(105) million (2022: £(105) million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Following a review on the loss given default approach for commercial exposures, management deems that ECL should be adjusted to mitigate limitations identified in the approach which are causing loss given defaults to be inflated. These include the benefit from amortisation of exposures relative to collateral values at default and a move to an exposure-weighted approach being adopted. These temporary adjustments will be addressed through future model development.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Commercial Real Estate (CRE) price reduction: £67 million (2022: £nil)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Rolling the forecast model forwards into the period has resulted in the material fall in CRE prices seen in late 2022 moving out of the model assumptions used to assess ECL. Given the model uses future changes in the metric as a driver of defaults and loss rates there is a risk that the model benefit that arises does not reflect the residual risk caused by the sustained low level of prices. Management therefore considers it appropriate to judgementally reinstate the CRE price drop within the ECL model assumptions given the materially reduced level in CRE prices could still trigger additional defaults Within this adjustment management has refined the potential impact on loss rates through capturing updated valuations as well as stressing valuations on specific sectors where evidence suggests valuations may lag achievable levels, notably in cases of stressed sale.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Generation of multiple economic scenarios</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The estimate of expected credit losses is required to be based on an unbiased expectation of future economic scenarios. The approach used to generate the range of future economic scenarios depends on the methodology and judgements adopted. The Group’s approach is to start from a defined base case scenario, used for planning purposes, and to generate alternative economic scenarios around this base case. The base case scenario is a conditional forecast underpinned by a number of conditioning assumptions that reflect the Group’s best view of key future developments. If circumstances appear likely to materially deviate from the conditioning assumptions, then the base case scenario is updated.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The base case scenario is central to a range of future economic scenarios generated by simulation of an economic model, for which the same conditioning assumptions apply as in the base case scenario. These scenarios are ranked by using estimated relationships with industry-wide historical loss data. With the base case already pre-defined, three other scenarios are identified as averages of constituent scenarios located around the 15th, 75th and 95th percentiles of the distribution. The full distribution is therefore summarised by a practical number of scenarios to run through ECL models representing an upside, the base case, and a downside scenario weighted at 30 per cent each, together with a severe downside scenario weighted at 10 per cent. The scenario weights represent the distribution of economic scenarios and not subjective views on likelihood. The inclusion of a severe downside scenario with a smaller weighting ensures that the non-linearity of losses in the tail of the distribution is adequately captured. Macroeconomic projections may employ reversionary techniques to adjust the paths of economic drivers towards long-run equilibria after a reasonable forecast horizon. The Group does not use such techniques to force the MES scenarios to revert to the base case planning view. Utilising such techniques would be expected to be immaterial for expected credit losses since loss sensitivity is highest over the initial five years of the projections. Most assets are expected to have matured, or reached the end of their behavioural life before the five-year horizon.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A forum under the chairmanship of the Chief Economist meets at least quarterly to review and, if appropriate, recommend changes to the method by which economic scenarios are generated, for approval by the Chief Financial Officer and Chief Risk Officer. In June 2022, the Group judged it appropriate to include an adjusted severe downside scenario to incorporate a high CPI inflation and UK Bank Rate profiles and to adopt this adjusted severe downside scenario to calculate the Group’s ECL. This is because the historic macroeconomic and loan loss data upon which the scenario model is calibrated imply an association of downside economic outcomes with easier monetary policy, and therefore low interest rates. The adjustment is considered to better reflect the risks around the Group’s base case view in an economic environment where the potential for supply shocks remains an elevated concern. The Group has continued to include a non-modelled severe downside scenario for Group ECL calculations for 31 December 2023 reporting.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Base case and MES economic assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s base case economic scenario has been updated to reflect ongoing geopolitical developments, and further evidence of easing of inflationary pressures allowing shifts to less restrictive monetary policies globally. The Group’s updated base case scenario has three conditioning assumptions: first, the wars in Ukraine and the Middle East remain geographically contained and do not lead to a major escalation in energy prices; second, China’s economic stabilisation policy is effective; and third, less restrictive monetary and fiscal policy throughout this year.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Based on these assumptions and incorporating the economic data published in the fourth quarter, the Group’s base case scenario is for slow expansion in GDP and a rise in the unemployment rate alongside modest changes in residential and commercial property prices. Following a reduction in inflationary pressures, UK Bank Rate is expected to be lowered during 2024. Risks around this base case economic view lie in both directions and are largely captured by the generation of alternative economic scenarios.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has accommodated the latest available information at the reporting date in defining its base case scenario and generating alternative economic scenarios. The scenarios include forecasts for key variables in the fourth quarter of 2023, for which actuals may have since emerged prior to publication.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Scenarios by year</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The key UK economic assumptions made by the Group are shown in the following tables across a number of measures explained below.</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Annual assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Gross domestic product (GDP) and Consumer Price Index (CPI) inflation are presented as an annual change, house price growth and commercial real estate price growth are presented as the growth in the respective indices over each year. Unemployment rate and UK Bank Rate are averages over the year.</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Five-year average</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The five-year average reflects the average annual growth rate, or level, over the five-year period. It includes movements within the current reporting year, such that the position as at 31 December 2023 covers the five years 2023 to 2027. The inclusion of the reporting year within the five-year period reflects the need to predict variables which remain unpublished at the reporting date and recognises that credit models utilise both level and annual changes. The use of calendar years maintains a comparability between the annual assumptions presented.</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Five-year start to peak and trough</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The peak or trough for any metric may occur intra year and therefore not be identifiable from the annual assumptions, so they are also disclosed. For GDP, house price growth and commercial real estate price growth, the peak, or trough, reflects the highest, or lowest cumulative quarterly position reached relative to the start of the five-year period, which as at 31 December 2023 is 1 January 2023. Given these metrics may exhibit increases followed by greater falls, the start to trough movements quoted may be smaller than the equivalent ‘peak to trough’ movement (and vice versa for start to peak). Unemployment, UK Bank Rate and CPI inflation reflect the highest, or lowest, quarterly level reached in the five-year period.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:29.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.638%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2025</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2026</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2027</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%"> to 2027 average</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Start to<br/>peak<br/>%</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Start to<br/>trough<br/>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Upside</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.94</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.72</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.61</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.37</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.79</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Base case</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.94</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.88</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.00</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.50</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.06</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.08</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.00</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Downside</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(15.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(20.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.94</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.95</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.96</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.55</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.43</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Severe downside</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(13.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(35.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(19.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(41.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate – modelled</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.94</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.75</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.49</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.03</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.67</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.02</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate – adjusted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.94</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.56</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.56</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.56</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.75</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.00</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation – modelled</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation – adjusted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;line-height:120%">Probability-weighted</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate – modelled</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.94</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.64</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.52</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.02</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.64</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.75</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.59</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate – adjusted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.94</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.02</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.93</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.37</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.95</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.04</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.89</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation – modelled</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation – adjusted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 The adjustment to UK Bank Rate and CPI inflation in the severe downside is considered to better reflect the risks around the Group’s base case view in an economic environment where supply shocks are the principal concern.</span></div><div style="margin-bottom:2pt;margin-top:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:29.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.638%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Base case scenario by quarter</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">First</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Second</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Third</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Fourth</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">First</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Second</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Third</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Fourth</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2024</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">%</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.1)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(18.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(21.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(18.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(0.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.00</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.00</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.75</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.50</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Gross domestic product is presented quarter-on-quarter. House price growth, commercial real estate growth and CPI inflation are presented year-on-year, i.e. from the equivalent quarter in the previous year. Unemployment rate and UK Bank Rate are presented as at the end of each quarter.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:29.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.638%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">to 2026 average</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Start to<br/>peak<br/>%</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Start to<br/>trough<br/>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Upside</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.94 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.95 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.98 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.63 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Base case</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.94 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.06 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Downside</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(24.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(13.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(15.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(29.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.94 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.98 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.04 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.65 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Severe downside</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(18.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(40.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(17.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(28.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(47.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate – modelled</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.94 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.41 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.76 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.50 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate – adjusted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.44 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.88 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation – modelled</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation – adjusted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Probability-weighted</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(18.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate – modelled</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.94 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.70 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.94 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.59 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.76 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.89 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate – adjusted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.99 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.41 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation – modelled</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation – adjusted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.1 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.9 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.5 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.7 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.3 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11.0 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.6 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 The adjustment to UK Bank Rate and CPI inflation in the severe downside is considered to better reflect the risks around the Group’s base case view in an economic environment where supply shocks are the principal concern.</span></div><div style="margin-bottom:2pt;margin-top:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:29.031%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.638%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Base case scenario by quarter</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">First</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Second</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Third</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fourth</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">First</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Second</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Third</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fourth</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.6 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.1 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.3)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.4)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.4)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.4)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.2)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(0.1)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(16.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(19.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(15.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.50 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.00 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.2 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.2 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.0 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.7 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.0 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.9 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.0 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.1 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Gross domestic product is presented quarter-on-quarter. House price growth, commercial real estate growth and CPI inflation are presented year-on-year, i.e. from the equivalent quarter in the previous year. Unemployment rate and UK Bank Rate are presented as at the end of each quarter.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">ECL sensitivity to economic assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below shows the Group’s ECL for the probability-weighted, upside, base case, downside and severe downside scenarios, with the severe downside scenario incorporating adjustments made to CPI inflation and UK Bank Rate paths. The stage allocation for an asset is based on the overall scenario probability-weighted probability of default and hence the staging of assets is constant across all the scenarios. In each economic scenario the ECL for individual assessments is held constant reflecting the basis on which they are evaluated. Judgemental adjustments applied through changes to model inputs or parameters, or more qualitative post model adjustments, are apportioned across the scenarios in proportion to modelled ECL where this better reflects the sensitivity of these adjustments to each scenario. The probability-weighted view shows the extent to which a higher ECL allowance has been recognised to take account of multiple economic scenarios relative to the base case; the uplift being £678 million compared to £692 million at 31 December 2022.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:19.278%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.621%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Probability-<br/>weighted<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Upside<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Base case<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Downside<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Severe<br/>downside<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Probability-<br/>weighted<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Base case<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Severe<br/>downside<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,115</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">395</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">670</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,155</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,485</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,209 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">514 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">790 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,434 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,874 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">810</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">600</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">918</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,235</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">763 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">727 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">828 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,180 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">945</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">850</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">920</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">981</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,200</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,016 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">907 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">992 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,056 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,290 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,182</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">793</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,013</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,383</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,250</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,869 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,459 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,656 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,027 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,261 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ECL allowance</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,084</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,670</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,406</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,469</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,202</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,903 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,522 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,211 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,392 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,652 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The impact of isolated changes in the UK unemployment rate and House Price Index (HPI) has been assessed on a univariate basis. Although such changes would not be observed in isolation, as economic indicators tend to be correlated in a coherent scenario, this gives insight into the sensitivity of the Group’s ECL to gradual changes in these two critical economic factors. The assessment has been made against the base case with staging held flat to the reported probability-weighted view and is assessed through the direct impact on modelled ECL and only includes judgemental adjustments applied through changes to model inputs.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below shows the impact on the Group’s ECL resulting from a 1 percentage point increase or decrease in the UK unemployment rate. The increase or decrease is presented based on the adjustment phased evenly over the first 10 quarters of the base case scenario. A more immediate increase or decrease would drive a more material ECL impact as it would be fully reflected in both 12-month and lifetime probability of defaults.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:56.250%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.383%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1pp increase in<br/>unemployment<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1pp decrease in<br/>unemployment<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1pp increase in<br/>unemployment<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1pp decrease in<br/>unemployment<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(32)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(21)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(38)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(41)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(19)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(25)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(83)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(91)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ECL impact</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">178</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(172)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">192 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(178)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below shows the impact on the Group’s ECL in respect of UK mortgages of an increase or decrease in loss given default for a 10 percentage point increase or decrease in the UK HPI. The increase or decrease is presented based on the adjustment phased evenly over the first 10 quarters of the base case scenario.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:56.250%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.383%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">10pp increase<br/>in HPI<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">10pp decrease<br/>in HPI<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10pp increase<br/>in HPI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10pp decrease<br/>in HPI<br/>£m</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ECL impact</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(201)</span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">305</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(225)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">370 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below shows the Group’s ECL and drawn balances for the upside, base case, downside and severe downside scenarios, with staging of assets based on each specific scenario probability of default. In each economic scenario the ECL for individual assessments is held constant reflecting the basis on which they are evaluated. Judgemental adjustments applied through changes to model inputs or parameters, or more qualitative post-model adjustments, are apportioned across the scenarios in proportion to modelled ECL where this better reflects the sensitivity of these adjustments to each scenario. A probability-weighted scenario is not shown as this view does not reflect the basis on which ECL is calculated. Comparing the probability-weighted ECL in the table above to the base case ECL with base case scenario specific staging, as shown in the table below, results in an uplift of £596 million compared to £820 million at 31 December 2022.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:15.348%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.898%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Drawn balances</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">ECL allowance</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Coverage ratio</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Upside<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Base case<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Downside<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Severe<br/>downside<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Upside<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Base case<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Downside<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Severe<br/>downside<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Upside<br/>%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Base case<br/>%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Downside<br/>%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Severe<br/>downside<br/>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">270,131</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">269,581</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">266,388</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">129,736</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">40</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,338</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,668</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,109</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,966</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">169</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">211</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">242</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">298</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39,260</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,939</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,373</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30,202</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">360</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">384</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">404</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">448</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">98,202</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">97,394</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">92,919</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">78,781</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">165</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">260</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">376</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">431</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,632</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,632</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,632</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,632</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">428,563</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">426,214</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">417,421</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">257,317</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">728</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">911</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,123</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,350</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24,998</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25,548</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28,741</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">165,393</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">73</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">139</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">316</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,074</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,195</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,865</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,424</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,567</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">302</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">437</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">567</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">859</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,711</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,032</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,598</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,769</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">325</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">378</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">424</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">619</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,487</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,295</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,770</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23,908</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">259</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">379</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">722</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,466</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,391</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39,740</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">48,533</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">208,637</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">959</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,333</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,029</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,018</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,337</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,337</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,337</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,337</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">78</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">225</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">457</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">963</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">122</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">122</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">122</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">122</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">43.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">43.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">43.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">43.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">452</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">452</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">452</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">452</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">238</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">242</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">248</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">261</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">53.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">54.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">57.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,068</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,068</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,068</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,068</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">426</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">426</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">426</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">426</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">41.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">41.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">41.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">41.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,180</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,180</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,180</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,180</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">880</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,031</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,269</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,788</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12.3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,854</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,854</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,854</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,854</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">307,320</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">307,320</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">307,320</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">307,320</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">384</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">617</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,070</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,403</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,817</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,817</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,817</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,817</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">593</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">770</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">931</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,279</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8.1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45,423</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45,423</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45,423</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45,423</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">923</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,004</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,076</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,328</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">104,757</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">104,757</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">104,757</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">104,757</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">850</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,065</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,524</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,323</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3.2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,671</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,671</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,671</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,671</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">36</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">480,988</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">480,988</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">480,988</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">480,988</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,780</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,488</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,634</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,369</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.0</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes loans and advances to banks, loans and advances to customers, debt securities and items identified as other assets in note 27.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Coverage ratio is ECL allowance shown as a percentage of drawn balances.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 POCI ECL has been presented on a probability-weighted basis. The sensitivity is captured within the UK mortgages total.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:15.348%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.595%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.898%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Drawn balances</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL allowance</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Base case<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Severe<br/>downside<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Base case<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Severe<br/>downside<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside<br/>%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Base case<br/>%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside<br/>%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Severe<br/>downside<br/>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">272,780 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">264,062 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">259,684 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">112,102 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">55 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">106 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,277 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,583 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,049 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">112 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">157 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">195 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36,001 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35,356 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,807 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30,927 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">242 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">274 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">298 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">346 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99,319 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">98,481 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">87,192 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51,452 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">137 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">222 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">323 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">339 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,301 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,301 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,301 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,301 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">424,678 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">413,783 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">397,095 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">207,831 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">572 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">750 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">950 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,089 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.1 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.5 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,520 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35,238 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,616 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">187,198 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">137 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">242 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">557 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,649 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,426 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,120 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,592 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,654 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">338 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">449 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">534 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">952 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,671 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,316 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,865 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,745 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">390 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">501 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">839 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,663 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,501 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,790 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54,530 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">214 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">304 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">745 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,777 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,280 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50,175 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">66,863 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">256,127 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,079 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,448 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,337 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,217 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.7 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.9 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.5 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.8 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,416 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,416 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,416 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,416 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">443 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">840 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">558 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">558 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">558 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">558 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">254 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">257 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">260 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">264 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,074 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,074 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,074 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,074 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">66.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">66.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">66.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">66.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,640 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,640 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,640 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,640 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,485 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,632 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,894 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,295 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19.4 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21.4 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24.8 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30.0 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,622 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,622 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,622 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,622 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">312,338 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">312,338 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">312,338 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">312,338 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">469 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">734 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,344 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,848 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,992 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,992 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,992 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,992 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">563 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">719 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">842 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,320 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40,230 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40,230 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40,230 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40,230 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">886 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">984 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,059 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,449 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">109,353 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">109,353 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">109,353 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">109,353 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,425 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,600 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,142 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,190 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,307 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,307 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,307 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,307 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">481,220 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">481,220 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">481,220 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">481,220 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,389 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,083 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,434 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,854 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.7 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.8 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.1 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.3 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes loans and advances to banks, loans and advances to customers, debt securities and items identified as other assets in note 27.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Coverage ratio is ECL allowance shown as a percentage of drawn balances.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 POCI ECL has been presented on a probability-weighted basis. The sensitivity is captured within the UK mortgages total.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 24: Allowance for expected credit losses</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span id="ie6c60f4a86254c2198d1926b1e95d536_827"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Assessment of climate risk impacts on ECL</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group continues to develop capabilities to quantify the potential impact of climate risks on ECL. This includes identifying the climate-related risk drivers that could influence future credit losses for loan portfolios that have the highest sensitivity to climate risks and commencing the use of more quantitative analysis on the impact of these risk drivers on ECL. This initial assessment has focused on specific climate-related risk drivers, with the intention to broaden and further develop the assessment in future years. The approach leverages the Group’s climate scenario analysis, to identify the potential physical and transition risk impacts on credit quality. Retail mortgages and Commercial Banking portfolios were identified to have the highest sensitivity to climate risk, with both physical and transition risk drivers assessed. The assessment used a combination of macroeconomic and sector level modelling alongside similar techniques used in estimating judgemental adjustments for non-climate related risks at sector and segment level. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">UK mortgages physical and transition risks – additional costs resulting in affordability pressure for buy-to-let (BTL) borrowers of UK properties assessed with a low EPC rating requiring retrofitting to meet potential legislative regulations; and similarly additional costs driven by increased flood risk through property repair or rebuild - discussed below.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Commercial Banking physical and transition risks – chronic and acute impacts of rising temperatures on a company’s costs and revenues. Companies adapting to a sudden transition scenario could potentially lead to increased transition costs in operations, direct carbon costs, and deteriorating financial performance due to changing consumer perspectives - discussed below.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Macroeconomic and sector scenario risks assessments </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">An assessment was performed on the Group’s internally generated economic scenarios used in the measurement of expected credit losses against external scenarios published by the Network for Greening the Financial System (NGFS) in November 2023. The analysis found the Group’s base case, incorporating the impact of assumed policies over a <span style="-sec-ix-hidden:f-6556">five</span>-year planning horizon, was positioned broadly within the range of the NGFS climate scenarios considered to be the most plausible, with limited differences in both directions for key impairment drivers. The Group’s MES downside and severe downside together comprising 40 per cent weighting in ECL calculations, are generally more severe than the most adverse NGFS scenario (Net Zero 2050). The assessment suggests that no material changes are required to the Group’s existing suite of economic scenarios. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In Retail, the potential incremental impact of climate factors on key economic drivers has been isolated from a range of NGFS scenarios management judged most plausible (Current Policies, Delayed Transition and Fragmented World scenarios). The incremental risk to ECL was then quantified by overlaying the specific climate impact of these scenarios on macroeconomic drivers, the Group’s base case and MES scenarios. Given these more plausible scenarios exhibited very similar impacts, management modelled the ECL impact from the Delayed Transition scenario, which assumes strong environmental policies are needed to compensate for the absence of early action. The results from the most material portfolios, UK mortgages and credit card ECL models allowed management to conclude on an immaterial ECL impact for Retail.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In Commercial Banking, an exploratory top-down analysis using newly developed sectoral modelling was adopted to estimate the ECL impact of climate risk on commercial credit conditions. This assessment specifically segmented agriculture, automotive, transport, oil and gas and real estate sectors where climate impacts were judged to be more significant. Sector-specific, climate-adjusted credit cycle indices (CCI) were used to calculate probability of default and resulting ECL. These adjusted CCI model inputs combined external NGFS scenarios with client level valuation impacts where available, alongside historic impairment data. Taking into account methodological limitations, the additional ECL required was shown to be immaterial. However, the analysis has been an informative exercise to take further forward in 2024. </span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Physical and transition risks assessments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In 2023 the Group has progressed with third party consultants to enhance both its access to climate-related data and the development of climate modelling capabilities. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In the UK mortgage portfolio, an affordability stress for customers was applied, by considering a scenario with minimum EPC requirements being introduced for the UK and estimated average retrofitting costs to bring the estimated EPC distribution for the current UK mortgage portfolio into alignment. The potential default risk from additional costs linked to retrofitting risks was assessed, with independent EPC data used to estimate the ECL impact from increased costs to customers for upgrading or retrofitting to meet a potential legislative target of EPC rating of C by 2028 for BTL. The provision impact was assessed using sensitivity analysis that utilises the relationship between disposable income and probability of default. The impact on ECL has been estimated to be less than £5 million for the potential legislative requirement in place for BTL.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Consideration has also been given to flooding risk – a delayed transition climate outlook, out to 2035 was assessed, resulting in over 80 per cent of the book expected to have no risk of flood damage. The impact on ECL related to the affordability risk from flood damage has been estimated to be immaterial. Whilst this supports no judgemental adjustment to ECL being required, the narrow scope does not capture the wider impact on loss rates emanating from being located in a high risk area. </span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:33.397%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.734%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.734%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.735%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assessment</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Nature of risk assessed</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Portfolios assessed</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">ECL impact</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Macroeconomic impact from climate scenario</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Scenario risk – macro level</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">< £5 million</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Sector level impacts from climate scenario</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Scenario risk – sector level</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial Banking (excluding Business Banking)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">< £15 million</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retrofitting cost to meet EPC regulation</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transition risk</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages – BTL</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">< £5 million</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Flood risk </span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Physical risk</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">< £5 million</span></div></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The assessments are limited due to the degree of uncertainty underpinning key assumptions used, as well as the developmental nature of the data, approach and models used in the quantification. These include, but are not limited to the analyses being restricted to PD impacts only, client level valuation impacts not incorporating climate transition plans, only considering the most material hazard (flooding) for UK mortgages and more broadly the political landscape, future climate data enhancements and further model development.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">However, the conclusions made using the Group’s best internal view of likely outcomes across all analyses further strengthens management’s view there is a low residual risk of material error or omission in the Group’s financial statements due to climate-related risks at present and as a result no adjustments have been made to the ECL measured as at 31 December 2023. The current behavioural lives of the Group’s lending dilutes the potential exposure to the later emergence of potential physical climate impacts, with the incorporation of climate risk within underwriting assessments in Commercial Banking providing further mitigation on more recent originations.</span></div>
CY2023Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4084000000	gbp
CY2022Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4903000000	gbp
CY2023Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4084000000	gbp
CY2023	ifrs-full	Fair Value Gains Losses On Financial Assets Reclassified Out Of Availableforsale Financial Assets Recognised In Other Comprehensive Income FairValueGainsLossesOnFinancialAssetsReclassifiedOutOfAvailableforsaleFinancialAssetsRecognisedInOtherComprehensiveIncome	7000000	gbp
CY2022Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4903000000	gbp
CY2022	ifrs-full	Fair Value Gains Losses On Financial Assets Reclassified Out Of Availableforsale Financial Assets Recognised In Other Comprehensive Income FairValueGainsLossesOnFinancialAssetsReclassifiedOutOfAvailableforsaleFinancialAssetsRecognisedInOtherComprehensiveIncome	9000000	gbp
CY2023Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4084000000	gbp
CY2022Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4903000000	gbp
CY2023Q4	lyg	Percentage Increase Decrease In Uk Unemployment Rate PercentageIncreaseDecreaseInUKUnemploymentRate	0.01
CY2023	ifrs-full	Disclosure Of Maturity Analysis Of Finance Lease Payments Receivable Explanatory DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 25: Finance lease receivables</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s finance lease receivables are classified as loans and advances to customers and accounted for at amortised cost. These balances are analysed as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Not later than 1 year</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,950</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,562 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Later than 1 year and not later than 2 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,851</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,119 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Later than 2 years and not later than 3 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,609</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,844 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Later than 3 years and not later than 4 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,074</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,029 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Later than 4 years and not later than 5 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">631</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">428 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Later than 5 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">545</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross investment</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,660</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,556 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unearned future finance income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,272)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,639)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Rentals received in advance</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(14)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(122)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net investment</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,374</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,795 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The net investment represents amounts recoverable as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Not later than 1 year</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,236</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,823 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Later than 1 year and not later than 2 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,328</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,660 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Later than 2 years and not later than 3 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,090</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,552 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Later than 3 years and not later than 4 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,711</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,894 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Later than 4 years and not later than 5 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">551</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Later than 5 years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">458</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">481 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net investment</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,374</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,795 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Equipment leased to customers under finance lease receivables relates to financing transactions to fund the purchase of aircraft, ships, motor vehicles and other items. There was an allowance for uncollectable finance lease receivables included in the allowance for impairment losses of £360 million (2022: £252 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s finance lease assets are comprised as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Electric vehicles</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,339</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">586 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Internal combustion engine vehicles</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,465</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,993 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hybrid vehicles</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,146</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">746 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,424</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,470 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net investment</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,374</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,795 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023Q4	ifrs-full	Finance Lease Receivables FinanceLeaseReceivables	19660000000	gbp
CY2022Q4	ifrs-full	Finance Lease Receivables FinanceLeaseReceivables	18556000000	gbp
CY2023Q4	ifrs-full	Unearned Finance Income Relating To Finance Lease Payments Receivable UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable	2272000000	gbp
CY2022Q4	ifrs-full	Unearned Finance Income Relating To Finance Lease Payments Receivable UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable	1639000000	gbp
CY2023Q4	ifrs-full	Current Advances CurrentAdvances	14000000	gbp
CY2022Q4	ifrs-full	Current Advances CurrentAdvances	122000000	gbp
CY2023Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	17374000000	gbp
CY2022Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	16795000000	gbp
CY2023Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	17374000000	gbp
CY2022Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	16795000000	gbp
CY2023Q4	lyg	Hire Purchases Net Investment In Hire Purchases Allowance For Uncollectible Minimum Payments HirePurchasesNetInvestmentInHirePurchasesAllowanceForUncollectibleMinimumPayments	360000000	gbp
CY2022Q4	lyg	Hire Purchases Net Investment In Hire Purchases Allowance For Uncollectible Minimum Payments HirePurchasesNetInvestmentInHirePurchasesAllowanceForUncollectibleMinimumPayments	252000000	gbp
CY2023Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	17374000000	gbp
CY2022Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	16795000000	gbp
CY2023	ifrs-full	Disclosure Of Intangible Assets And Goodwill Explanatory DisclosureOfIntangibleAssetsAndGoodwillExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 26: Goodwill and other intangible assets</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:6.5pt;font-weight:700;letter-spacing:-0.015em;line-height:118%;position:relative;top:-3.5pt;vertical-align:baseline">1</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:31.651%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Goodwill<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Acquired<br/>value of<br/>in-force<br/>business<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Brands<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Purchased<br/>credit card<br/>relationships<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Customer-<br/>related<br/>intangibles<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Capitalised<br/>software<br/>enhancements<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Cost</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January 2022</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,664 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">834 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,002 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">538 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,085 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions and acquisitions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">335 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,452 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,826 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(186)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,999 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">834 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">589 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,002 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">572 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,716 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,712 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions and acquisitions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">143</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">180</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,494</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,819</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(70)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(292)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(362)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,142</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">834</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">591</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,002</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">682</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,918</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,169</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Accumulated amortisation:</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January 2022</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">344 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">637 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">621 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">538 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,016 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Charge for the year</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">70 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">833 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">925 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(186)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">344 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">660 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">204 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">692 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">541 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,656 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,097 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Charge for the year</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,028</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,128</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(70)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(292)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(362)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">344</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">680</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">205</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">762</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">483</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,389</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,863</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance sheet amount at 31 December 2023</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,798</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">154</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">386</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">240</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">199</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,529</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,306</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Balance sheet amount at 31 December 2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,655 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">174 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">385 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">310 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,060 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,615 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 See note 1 regarding changes to presentation.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 For acquisitions made prior to 1 January 2004, the date of transition to IFRS, cost is included net of amounts amortised up to 31 December 2003.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The charge for the year is recognised in operating expenses (note 14).</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Includes core deposit intangible of £nil, cost of £2,770 million and accumulated amortisation of £2,770 million.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Goodwill</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">On 21 February 2023, Lloyds Bank Asset Finance Limited, a wholly owned subsidiary of the Group, acquired 100 per cent of the ordinary share capital of Hamsard 3352 Limited (Tusker), which together with its subsidiaries operates a vehicle management and leasing business. The acquisition, which supports the Group’s sustainability ambitions, will enable the Group to expand its salary sacrifice proposition within motor finance. The total fair value of the purchase consideration was £331 million, settled in cash, and the business has been consolidated into the Group’s results since 21 February 2023. The acquisition is expected to provide significant growth opportunities and funding synergies. Goodwill of £143 million has been recognised on the transaction. None of the goodwill recognised is deductible for tax purposes. Acquisition-related costs of £3 million have been included in operating expenses for the year ended 31 December 2023. The revenue included in the consolidated statement of comprehensive income since 21 February 2023 contributed by Tusker was £171 million, with net loss after tax of £11 million over the same period. Had Tusker been consolidated from 1 January 2023, the consolidated statement of comprehensive income would have included revenue of £196 million and a net loss after tax of £6 million. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The goodwill held in the Group’s balance sheet is tested at least annually for impairment. For the purposes of impairment testing the goodwill is allocated to the appropriate cash-generating unit; of the total balance of £2,798 million (2022: £2,655 million), £2,171 million, or 78 per cent (2022: £2,171 million, 82 per cent) has been allocated to the Life and pensions cash-generating unit; £302 million, or 11 per cent (2022: £302 million, 11 per cent) has been allocated to the Credit card cash-generating unit in the Group’s Retail division; and £309 million, or 11 per cent (2022: £166 million, 6 per cent) to the Motor business cash-generating units, both in the Group’s Retail division.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The recoverable amount of the goodwill relating to Scottish Widows is based on a value-in-use calculation. The calculation uses pre-tax projections of future cash flows based upon budgets and plans approved by management covering a <span style="-sec-ix-hidden:f-6783">four</span>-year period, the related run-off of existing business in-force and a discount rate (pre-tax) of 11.0 per cent. The budgets and plans are based upon past experience adjusted to take into account anticipated changes in sales volumes, product mix and margins having regard to expected market conditions (which will reflect current and future risks, such as climate and expected economic activity conditions) and competitor activity. The discount rate is determined with reference to internal measures and available industry information. New business cash flows beyond the four-year period have been extrapolated using a reducing balance growth rate that falls from 3.5 per cent to 2.0 per cent after 20 years, which does not exceed the long-term average growth rate for the life assurance market. Management believes that any reasonably possible change in the key assumptions above would not cause the recoverable amount of the goodwill relating to Scottish Widows to fall below its balance sheet carrying value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The recoverable amount of the goodwill relating to the Motor business is based on a value-in-use calculation using post-tax cash flow projections based on financial budgets and plans approved by management covering a <span style="-sec-ix-hidden:f-6788">four</span>-year period and a discount rate (post-tax) of 10.5 per cent, based on the Group’s cost of equity. This is equivalent to a pre-tax rate of 14.0 per cent. The budgets and plans are based upon past experience adjusted to take into account anticipated changes in sales volumes having regard to expected market conditions and competitor activity. The cash flows beyond the four-year period are extrapolated using a growth rate of 3.5 per cent which does not exceed the long-term average growth rates for the markets in which the Motor business participates. Management believes that any reasonably possible change in the key assumptions, including from the impacts of climate change or climate-related legislation, would not cause the recoverable amount of the goodwill relating to the Motor business to fall below the balance sheet carrying value.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 26: Goodwill and other intangible assets</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The recoverable amount of the goodwill relating to Credit cards has been based on a value-in-use calculation using post-tax cash flow projections based on financial budgets and plans approved by management covering a <span style="-sec-ix-hidden:f-6792">four</span>-year period and a discount rate (post-tax) of 10.5 per cent, based on the Group’s cost of equity. This is equivalent to a pre-tax rate of 14.0 per cent. The budgets and plans are based upon past experience adjusted to take into account anticipated changes in credit card volumes having regard to expected market conditions and competitor activity. The cash flows beyond the four-year period assume 3.5 per cent growth, which does not exceed the long-term average growth rates for the markets in which the Cards business participates. Management believes that any reasonably possible change in the key assumptions above would not cause the recoverable amount of the goodwill relating to Credit cards to fall below the balance sheet carrying value.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Other intangible assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The acquired value of in-force non-participating investment contracts includes £93 million (2022: £106 million) in relation to OEIC business.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The brand arising from the acquisition of Bank of Scotland in 2009 is recognised on the Group’s balance sheet and has been determined to have an indefinite useful life. The carrying value at 31 December 2023 was £380 million (2022: £380 million). The Bank of Scotland name has been in existence for over 300 years and there are no indications that the brand should not have an indefinite useful life. The recoverable amount has been based on a value-in-use calculation. The calculation uses post-tax projections for a four-year period of the income generated by the Bank of Scotland cash-generating unit, a discount rate of 10.5 per cent and a future growth rate of 3.5 per cent. Management believes that any reasonably possible change in the key assumptions would not cause the recoverable amount of the Bank of Scotland brand to fall below its balance sheet carrying value.</span></div>
CY2023	ifrs-full	Disclosure Of Reconciliation Of Changes In Intangible Assets And Goodwill Explanatory DisclosureOfReconciliationOfChangesInIntangibleAssetsAndGoodwillExplanatory	<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:31.651%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.380%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Goodwill<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Acquired<br/>value of<br/>in-force<br/>business<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Brands<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Purchased<br/>credit card<br/>relationships<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Customer-<br/>related<br/>intangibles<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Capitalised<br/>software<br/>enhancements<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Cost</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January 2022</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,664 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">834 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,002 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">538 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,085 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions and acquisitions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">335 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,452 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,826 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(186)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,999 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">834 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">589 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,002 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">572 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,716 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,712 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions and acquisitions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">143</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">180</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,494</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,819</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(70)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(292)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(362)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,142</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">834</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">591</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,002</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">682</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,918</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,169</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Accumulated amortisation:</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January 2022</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">344 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">637 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">621 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">538 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,016 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Charge for the year</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">70 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">833 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">925 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(186)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">344 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">660 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">204 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">692 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">541 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,656 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,097 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Charge for the year</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,028</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,128</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(70)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(292)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(362)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">344</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">680</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">205</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">762</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">483</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,389</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,863</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Balance sheet amount at 31 December 2023</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,798</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">154</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">386</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">240</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">199</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,529</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,306</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Balance sheet amount at 31 December 2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,655 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">174 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">385 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">310 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,060 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,615 </span></td><td style="border-bottom:0.25pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 See note 1 regarding changes to presentation.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 For acquisitions made prior to 1 January 2004, the date of transition to IFRS, cost is included net of amounts amortised up to 31 December 2003.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The charge for the year is recognised in operating expenses (note 14).</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Includes core deposit intangible of £nil, cost of £2,770 million and accumulated amortisation of £2,770 million.</span></div>
CY2023Q4	ifrs-full	Intangible Assets And Goodwill IntangibleAssetsAndGoodwill	8306000000	gbp
CY2022Q4	ifrs-full	Intangible Assets And Goodwill IntangibleAssetsAndGoodwill	7615000000	gbp
CY2023	ifrs-full	Disclosure Of Other Assets Explanatory DisclosureOfOtherAssetsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 27: Other assets</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:80.704%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.636%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contract assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">442</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment in joint ventures and associates</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">401</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property, plant and equipment:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment properties (see below)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,862</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,532 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premises</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">920</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">871 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equipment</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,170</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,285 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease assets (see below)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,523</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,816 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Right-of-use assets (note 28)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,055</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,156 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,530</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,660 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Settlement balances and items in the course of collection from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">912</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">658 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Prepayments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,455</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,224 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred acquisition and origination costs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,364</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,183 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total other assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,144</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,536 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for presentational changes and for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Investment properties</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s investment properties are predominantly held by the Insurance, Pensions and Investments business where they back policyholder liabilities. They are valued by external Chartered Surveyors using industry standard techniques based on guidance from the Royal Institute of Chartered Surveyors. The valuation methodology includes an assessment of general market conditions and sector level transactions and takes account of expectations of occupancy rates, rental income and growth. Property valuations undergo individual scrutiny using cash flow analysis to factor in the timing of rental reviews, capital expenditure, lease incentives, dilapidation and operating expenses; these reviews utilise both observable and unobservable inputs. Within the fair value hierarchy, all of the Group’s investment properties are categorised as level 3 (see note 21 for details of levels in the fair value hierarchy). The table below analyses movements in level 3 investment properties, which are carried at fair value.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,532</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,612 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisition of new properties</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">450</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additional expenditure on existing properties</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in fair value (note 7)</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(87)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(511)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(52)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(679)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,862</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,532 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Rental income of £146 million (2022: £145 million) and direct operating expenses of £16 million (2022: £32 million) arising from investment properties that generate rental income have been recognised in the income statement.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Capital expenditure in respect of investment properties which had been contracted for but not recognised in the financial statements was £488 million (2022: £119 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 27: Other assets</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Operating lease assets where the Group is lessor</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Equipment leased to customers under operating leases primarily relates to vehicle contract hire arrangements. At 31 December the future minimum rentals receivable under non-cancellable operating leases were as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:32.670%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Within 1 year<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 2 years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2 to 3 years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 4 years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4 to 5 years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 5 years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,336</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">680</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">309</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,256</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">912 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">620 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">322 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">102 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,967 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Equipment leased to customers under operating leases primarily relates to vehicle contract hire arrangements. Operating lease assets are comprised as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.686%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.653%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Electric vehicles</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,259</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,610 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Internal combustion engine vehicles</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,815</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hybrid vehicles</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,444</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,159 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total operating lease assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,523</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,816 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Disclosure Of Prepayments And Other Assets Explanatory DisclosureOfPrepaymentsAndOtherAssetsExplanatory	<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:80.704%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.636%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contract assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">442</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment in joint ventures and associates</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">401</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property, plant and equipment:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment properties (see below)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,862</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,532 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premises</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">920</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">871 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Equipment</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,170</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,285 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating lease assets (see below)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,523</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,816 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Right-of-use assets (note 28)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,055</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,156 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,530</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,660 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Settlement balances and items in the course of collection from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">912</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">658 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Prepayments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,455</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,224 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred acquisition and origination costs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,364</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,183 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total other assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,144</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,536 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for presentational changes and for the adoption of IFRS 17; see notes 1 and 54.</span></div>
CY2023Q4	ifrs-full	Insurance Contracts Issued That Are Assets InsuranceContractsIssuedThatAreAssets	1000000	gbp
CY2022Q4	ifrs-full	Insurance Contracts Issued That Are Assets InsuranceContractsIssuedThatAreAssets	0	gbp
CY2023Q4	ifrs-full	Reinsurance Contracts Held That Are Assets ReinsuranceContractsHeldThatAreAssets	442000000	gbp
CY2022Q4	ifrs-full	Reinsurance Contracts Held That Are Assets ReinsuranceContractsHeldThatAreAssets	372000000	gbp
CY2023Q4	ifrs-full	Investments In Subsidiaries Joint Ventures And Associates InvestmentsInSubsidiariesJointVenturesAndAssociates	401000000	gbp
CY2022Q4	ifrs-full	Investments In Subsidiaries Joint Ventures And Associates InvestmentsInSubsidiariesJointVenturesAndAssociates	385000000	gbp
CY2023Q4	ifrs-full	Property Plant And Equipment Including Rightofuse Assets PropertyPlantAndEquipmentIncludingRightofuseAssets	12530000000	gbp
CY2022Q4	ifrs-full	Property Plant And Equipment Including Rightofuse Assets PropertyPlantAndEquipmentIncludingRightofuseAssets	10660000000	gbp
CY2023Q4	lyg	Settlement Balances SettlementBalances	912000000	gbp
CY2022Q4	lyg	Settlement Balances SettlementBalances	658000000	gbp
CY2023Q4	ifrs-full	Prepayments Prepayments	1455000000	gbp
CY2022Q4	ifrs-full	Prepayments Prepayments	1224000000	gbp
CY2023Q4	lyg	Deferred Acquisition And Origination Costs DeferredAcquisitionAndOriginationCosts	39000000	gbp
CY2022Q4	lyg	Deferred Acquisition And Origination Costs DeferredAcquisitionAndOriginationCosts	54000000	gbp
CY2023Q4	ifrs-full	Current Prepayments And Other Current Assets CurrentPrepaymentsAndOtherCurrentAssets	1364000000	gbp
CY2022Q4	ifrs-full	Current Prepayments And Other Current Assets CurrentPrepaymentsAndOtherCurrentAssets	1183000000	gbp
CY2023Q4	ifrs-full	Other Assets OtherAssets	17144000000	gbp
CY2022Q4	ifrs-full	Other Assets OtherAssets	14536000000	gbp
CY2023	ifrs-full	Disclosure Of Detailed Information About Property Plant And Equipment Explanatory DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory	The table below analyses movements in level 3 investment properties, which are carried at fair value.<div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,532</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,612 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisition of new properties</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">450</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additional expenditure on existing properties</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in fair value (note 7)</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(87)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(511)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(52)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(679)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,862</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,532 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Additions From Acquisitions Investment Property AdditionsFromAcquisitionsInvestmentProperty	450000000	gbp
CY2022	ifrs-full	Additions From Acquisitions Investment Property AdditionsFromAcquisitionsInvestmentProperty	60000000	gbp
CY2023	ifrs-full	Direct Operating Expense From Investment Property DirectOperatingExpenseFromInvestmentProperty	19000000	gbp
CY2022	ifrs-full	Direct Operating Expense From Investment Property DirectOperatingExpenseFromInvestmentProperty	50000000	gbp
CY2023	ifrs-full	Direct Operating Expense From Investment Property Generating Rental Income DirectOperatingExpenseFromInvestmentPropertyGeneratingRentalIncome	16000000	gbp
CY2022	ifrs-full	Direct Operating Expense From Investment Property Generating Rental Income DirectOperatingExpenseFromInvestmentPropertyGeneratingRentalIncome	32000000	gbp
CY2023Q4	lyg	Capital Expenditure Contracted For But Not Recognised CapitalExpenditureContractedForButNotRecognised	488000000	gbp
CY2022Q4	lyg	Capital Expenditure Contracted For But Not Recognised CapitalExpenditureContractedForButNotRecognised	119000000	gbp
CY2023Q4	ifrs-full	Undiscounted Operating Lease Payments To Be Received UndiscountedOperatingLeasePaymentsToBeReceived	3256000000	gbp
CY2022Q4	ifrs-full	Undiscounted Operating Lease Payments To Be Received UndiscountedOperatingLeasePaymentsToBeReceived	1967000000	gbp
CY2023	ifrs-full	Disclosure Of Leases Explanatory DisclosureOfLeasesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 28: Lessee disclosures</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below sets out the movement in the Group’s right-of-use assets, which are primarily in respect of premises, and are recognised within other assets (note 27).</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,156</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,318 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">136</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">98 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(37)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Depreciation charge for the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(209)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(226)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,055</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,156 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s lease liabilities are recognised within other liabilities (note 37). The maturity analysis of the Group’s lease liabilities on an undiscounted basis is set out in the liquidity risk section of note 52.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The total cash outflow for leases in the year ended 31 December 2023 was £215 million (2022: £210 million). The amount recognised within interest expense in respect of lease liabilities is disclosed in note 5.</span></div>
CY2023	ifrs-full	Disclosure Of Quantitative Information About Rightofuse Assets Explanatory DisclosureOfQuantitativeInformationAboutRightofuseAssetsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below sets out the movement in the Group’s right-of-use assets, which are primarily in respect of premises, and are recognised within other assets (note 27).</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,156</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,318 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">136</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">98 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(37)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Depreciation charge for the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(209)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(226)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,055</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,156 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2022Q4	ifrs-full	Rightofuse Assets RightofuseAssets	1156000000	gbp
CY2021Q4	ifrs-full	Rightofuse Assets RightofuseAssets	1318000000	gbp
CY2023	lyg	Adjustments For Exchange And Other Adjustments Right Of Use Assets AdjustmentsForExchangeAndOtherAdjustmentsRightOfUseAssets	3000000	gbp
CY2022	lyg	Adjustments For Exchange And Other Adjustments Right Of Use Assets AdjustmentsForExchangeAndOtherAdjustmentsRightOfUseAssets	3000000	gbp
CY2023	ifrs-full	Additions To Rightofuse Assets AdditionsToRightofuseAssets	136000000	gbp
CY2022	ifrs-full	Additions To Rightofuse Assets AdditionsToRightofuseAssets	98000000	gbp
CY2023	lyg	Disposals Of Right Of Use Assets DisposalsOfRightOfUseAssets	31000000	gbp
CY2022	lyg	Disposals Of Right Of Use Assets DisposalsOfRightOfUseAssets	37000000	gbp
CY2023	ifrs-full	Depreciation Rightofuse Assets DepreciationRightofuseAssets	209000000	gbp
CY2022	ifrs-full	Depreciation Rightofuse Assets DepreciationRightofuseAssets	226000000	gbp
CY2023Q4	ifrs-full	Rightofuse Assets RightofuseAssets	1055000000	gbp
CY2022Q4	ifrs-full	Rightofuse Assets RightofuseAssets	1156000000	gbp
CY2023	ifrs-full	Payments Of Lease Liabilities Classified As Financing Activities PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities	215000000	gbp
CY2022	ifrs-full	Payments Of Lease Liabilities Classified As Financing Activities PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities	210000000	gbp
CY2023	ifrs-full	Disclosure Of Debt Securities Explanatory DisclosureOfDebtSecuritiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 29: Debt securities in issue</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:41.403%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At fair value through profit or loss<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At<br/>amortised<br/> cost<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At fair value through profit or loss<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At<br/>amortised<br/> cost<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Senior unsecured notes issued</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,242</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,038</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42,280</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,133 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36,819 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41,952 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Covered bonds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,243</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,243</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,242 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,242 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Certificates of deposit issued</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,059</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,059</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,225 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,225 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securitisation notes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,211</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,234</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,780 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,806 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial paper</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,041</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,041</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total debt securities in issue</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,265</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80,857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,159 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,819 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">78,978 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Covered bonds and securitisation programmes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, the bonds held by external parties and those held internally, were secured on certain loans and advances to customers amounting to £27,019 million (2022: £28,231 million) which have been assigned to bankruptcy remote limited liability partnerships to provide security for issues of covered bonds by the Group. The Group retains all of the risks and rewards associated with these loans and the partnerships are consolidated fully with the loans retained on the Group’s balance sheet and the related covered bonds in issue included within debt securities in issue at amortised cost.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has two covered bond programmes, for which limited liability partnerships have been established to ring-fence asset pools and guarantee the covered bonds issued by the Group. At the reporting date the Group had over-collateralised these programmes to meet the terms of the programmes, to secure the rating of the covered bonds and to provide operational flexibility. From time to time, the obligations of the Group to provide collateral may increase due to the formal requirements of the programmes. The Group may also voluntarily contribute collateral to support the ratings of the covered bonds.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, the Group’s securitisation notes in issue held by external parties includes £23 million at fair value through profit or loss (2022: £26 million). Those notes held internally, are secured on loans and advances to customers amounting to £30,716 million (2022: £29,384 million), the majority of which have been sold by subsidiary companies to bankruptcy remote structured entities. As the structured entities are funded by the issue of debt on terms whereby the majority of the risks and rewards of the portfolio are retained by the subsidiary, the structured entities are consolidated fully and all of these loans are retained on the Group’s balance sheet, with the related notes in issue included within debt securities in issue at amortised cost.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Certain loans and advances to customers have been assigned to bankruptcy remote limited liability partnerships.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Cash deposits of £3,794 million (2022: £3,896 million) which support the debt securities issued by the structured entities, the term advances related to covered bonds and other legal obligations, are held by the Group. Additionally, the Group has certain contractual arrangements to provide liquidity facilities to some of these structured entities. At 31 December 2023 these obligations had not been triggered; the maximum exposure under these facilities was £29 million (2022: £25 million). </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group recognises the full liabilities associated with its securitisation and covered bond programmes within debt securities in issue, although the obligations of the Group in respect of its securitisation issuances are limited to the cash flows generated from the underlying assets. The Group could be required to provide additional support to a number of the securitisation programmes to support the credit ratings of the debt securities issued, in the form of increased cash reserves and the holding of subordinated notes. Further, certain programmes contain contractual obligations that require the Group to repurchase assets should they become credit-impaired or as otherwise required by the transaction documents. The Group has not provided financial or other support by voluntarily offering to repurchase assets from any of its public securitisation programmes during 2023 (2022: none).</span></div>
CY2023Q4	ifrs-full	Notes And Debentures Issued NotesAndDebenturesIssued	42280000000	gbp
CY2022Q4	ifrs-full	Notes And Debentures Issued NotesAndDebenturesIssued	41952000000	gbp
CY2023Q4	ifrs-full	Bonds Issued BondsIssued	14243000000	gbp
CY2022Q4	ifrs-full	Bonds Issued BondsIssued	14242000000	gbp
CY2023Q4	lyg	Certificates Of Deposit Issued CertificatesOfDepositIssued	8059000000	gbp
CY2022Q4	lyg	Certificates Of Deposit Issued CertificatesOfDepositIssued	7225000000	gbp
CY2023Q4	lyg	Securitisation Notes SecuritisationNotes	4234000000	gbp
CY2022Q4	lyg	Securitisation Notes SecuritisationNotes	2806000000	gbp
CY2023Q4	ifrs-full	Commercial Papers Issued CommercialPapersIssued	12041000000	gbp
CY2022Q4	ifrs-full	Commercial Papers Issued CommercialPapersIssued	12753000000	gbp
CY2023Q4	ifrs-full	Debt Securities DebtSecurities	80857000000	gbp
CY2022Q4	ifrs-full	Debt Securities DebtSecurities	78978000000	gbp
CY2023Q4	lyg	Number Of Covered Bond Programmes NumberOfCoveredBondProgrammes	2	programme
CY2023Q4	lyg	Securitisation Notes At Fair Value Through Profit Or Loss SecuritisationNotesAtFairValueThroughProfitOrLoss	23000000	gbp
CY2022Q4	lyg	Securitisation Notes At Fair Value Through Profit Or Loss SecuritisationNotesAtFairValueThroughProfitOrLoss	26000000	gbp
CY2023	lyg	Voluntary Financial Or Other Support To Repurchase Assets VoluntaryFinancialOrOtherSupportToRepurchaseAssets	0	gbp
CY2022	lyg	Voluntary Financial Or Other Support To Repurchase Assets VoluntaryFinancialOrOtherSupportToRepurchaseAssets	0	gbp
CY2023	ifrs-full	Description Of Methods Used To Measure Contracts Within Scope Of Ifrs17 And Processes For Estimating Inputs To Those Methods DescriptionOfMethodsUsedToMeasureContractsWithinScopeOfIFRS17AndProcessesForEstimatingInputsToThoseMethods	Critical judgements:Determining the characteristics which make a product illiquid, the level of illiquidity premium to apply to the discount rate of different products and how the illiquidity premium is determinedThe determination of whether a drawdown feature added to its longstanding and workplace pension products was a modification that required derecognition and the determination of the premium that would have been charged if these were new contracts.
CY2023	ifrs-full	Disclosure Of Reconciliation Of Changes In Insurance Contracts By Remaining Coverage And Incurred Claims Explanatory DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsExplanatory	<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.388%"><tr><td style="width:1.0%"></td><td style="width:41.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.416%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.532%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.416%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.422%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-life<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,784)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(364)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(120,148)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(380)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(110,300)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,775)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(348)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(120,123)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,912)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(366)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(110,278)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Excluding insurance acquisition assets.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:21.752%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.367%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities for<br/>remaining coverage</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liability for<br/>incurred<br/>claims<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities for<br/>remaining coverage</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liability for<br/>incurred<br/>claims<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Life</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Excluding loss<br/>component<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Loss<br/>component<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Excluding loss<br/>component<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loss<br/>component<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(160)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(108,846)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(471)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(603)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(109,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(124,053)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(179)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(653)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(124,885)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(108,846)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(471)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(603)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(109,920)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(123,869)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(339)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(653)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(124,861)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance revenue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts under the modified retrospective approach</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts under the fair value transition approach</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,467</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,467</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other contracts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,027</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,027</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">636 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">636 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,494</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,494</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,902 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,902 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service expenses</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Incurred claims and other directly attributable expenses</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,949)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,897)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,795)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,751)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments to liabilities for incurred claims</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Losses from drawdown contract modifications</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,242)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,242)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Losses and reversal of losses on onerous insurance contracts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(244)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(244)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amortisation of insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(85)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(85)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(88)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">110</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,949)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,927)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,327)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(200)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,795)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,322)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service result</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,406</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">110</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,949)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">567</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">575 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(200)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,795)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,420)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance income (expense) from insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,576)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(105)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,684)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,885 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,950 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(94)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(94)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total change in profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,138)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,952)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11,085)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,366 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(132)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,798)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,436 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment components</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,793</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8,793)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,285 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7,285)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premiums received</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,768)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,768)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,861)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,861)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Claims and other insurance service expenses paid</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,721</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,721</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,099 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,099 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,565)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,721</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,156</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,661)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,099 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">438 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfer to other items in the balance sheet</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">34</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(118,725)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(466)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(593)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,784)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(108,846)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(471)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(603)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(118,724)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(466)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(593)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(119,783)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(108,846)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(471)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(603)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(109,920)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Excluding insurance acquisition assets.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 31: Reconciliation of insurance balances for liability for remaining coverage and liability for incurred claims</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:21.752%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.367%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="12" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities for<br/>remaining coverage</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liability for<br/>incurred<br/>claims<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities for<br/>remaining coverage</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liability for<br/>incurred<br/>claims<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr style="height:26pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-life</span></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Excluding loss<br/>component<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Loss<br/>component<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Excluding loss<br/>component<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loss<br/>component<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(357)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(380)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(32)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(286)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(322)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(22)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(357)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(380)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(32)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(286)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(322)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance revenue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts under the modified retrospective approach</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts under the fair value transition approach</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other contracts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">559 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service expenses</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Incurred claims and other directly attributable expenses</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(448)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(448)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(480)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(475)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments to liabilities for incurred claims</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(57)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(57)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Losses and reversal of losses on onerous insurance contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amortisation of insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(451)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(480)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(537)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(527)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance service result</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">484</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(451)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">34</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">566 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(537)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance income (expense) from insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange differences</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total change in profit or loss</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">484</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(457)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">566 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(539)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment components</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Premiums received</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(525)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(525)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(584)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(584)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Claims and other insurance service expenses paid</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">475</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">475</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">468 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">468 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition cash flows</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(487)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">475</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(556)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">468 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(88)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfer to other items in the balance sheet</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance contract assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(25)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(339)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(364)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(357)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(380)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net asset (liability)</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(25)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(339)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(364)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(357)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(380)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Excluding insurance acquisition assets.</span></div>
CY2023Q4	ifrs-full	Insurance Contracts That Are Assets InsuranceContractsThatAreAssets	1000000	gbp
CY2022Q4	ifrs-full	Insurance Contracts That Are Assets InsuranceContractsThatAreAssets	0	gbp
CY2023Q4	ifrs-full	Insurance Contracts That Are Liabilities InsuranceContractsThatAreLiabilities	120148000000	gbp
CY2022Q4	ifrs-full	Insurance Contracts That Are Liabilities InsuranceContractsThatAreLiabilities	110300000000	gbp
CY2023Q4	lyg	Insurance Acquisition Cash Flows Assets InsuranceAcquisitionCashFlowsAssets	24000000	gbp
CY2022Q4	lyg	Insurance Acquisition Cash Flows Assets InsuranceAcquisitionCashFlowsAssets	22000000	gbp
CY2023Q4	ifrs-full	Insurance Contracts Issued That Are Liabilities InsuranceContractsIssuedThatAreLiabilities	120123000000	gbp
CY2022Q4	ifrs-full	Insurance Contracts Issued That Are Liabilities InsuranceContractsIssuedThatAreLiabilities	110278000000	gbp
CY2023	ifrs-full	Disclosure Of Yield Curve Used To Discount Cash Flows That Do Not Vary Based On Returns On Underlying Items Explanatory DisclosureOfYieldCurveUsedToDiscountCashFlowsThatDoNotVaryBasedOnReturnsOnUnderlyingItemsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The average yield curves (GBP currency) that were used to discount the estimates of future cash flows that do not vary based on the returns of the underlying items are as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:51.592%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 year</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">5 year</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">10 year</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">20 year</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">30 year</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2023</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5.37</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.79</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.72</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4.19</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.11 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.15 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.03 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.84 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.42 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Additional Information About Insurance Contracts Explanatory AdditionalInformationAboutInsuranceContractsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group determines the quantity of benefits provided under each contract as follows:</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:22.189%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:75.611%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Product</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Basis</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">With-Profits and unit linked</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Policyholder account value</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pre-vesting date</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">: defined amount payable</span></div><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Post-vesting date: annuity payout</span></div></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Or the guaranteed benefits, if higher.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Immediate annuities have no pre-vesting date period.</span></div>
CY2023	lyg	Percentage Of Base Mortality Used In Calculating Bespoke Mortality Rates PercentageOfBaseMortalityUsedInCalculatingBespokeMortalityRates	1
CY2022	lyg	Percentage Of Base Mortality Used In Calculating Bespoke Mortality Rates PercentageOfBaseMortalityUsedInCalculatingBespokeMortalityRates	1
CY2023Q4	ifrs-full	Confidence Level Used To Determine Risk Adjustment For Nonfinancial Risk ConfidenceLevelUsedToDetermineRiskAdjustmentForNonfinancialRisk	0.70
CY2022Q4	ifrs-full	Confidence Level Used To Determine Risk Adjustment For Nonfinancial Risk ConfidenceLevelUsedToDetermineRiskAdjustmentForNonfinancialRisk	0.70
CY2023	ifrs-full	Disclosure Of Effect Of Insurance Contracts Initially Recognised Explanatory DisclosureOfEffectOfInsuranceContractsInitiallyRecognisedExplanatory	<div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:41.403%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Life</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Profitable<br/>contracts<br/>issued<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Onerous<br/>contracts<br/>issued<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Profitable<br/>contracts<br/>issued<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Onerous<br/>contracts<br/>issued<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance and participating investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance acquisition cash flows</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">142</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">229</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">85 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">173 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">258 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Claims and other directly attributable expenses</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,450</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">447</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,897</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">82,246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,130 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83,376 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Estimates of the present value of future cash outflows</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,537</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">589</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,126</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">82,331 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,303 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83,634 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Estimates of the present value of future cash inflows</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5,708)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(525)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6,233)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(84,754)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,244)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(85,998)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Risk adjustment for non-financial risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">79</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">86</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">630 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">646 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contractual service margin</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">92</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">92</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Losses recognised on initial recognition</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">71</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">71</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Increase Decrease Through Effects Of Contracts Acquired In Period Insurance Contracts Liability Asset IncreaseDecreaseThroughEffectsOfContractsAcquiredInPeriodInsuranceContractsLiabilityAsset	0	gbp
CY2023	ifrs-full	Increase Decrease Through Effects Of Groups Of Onerous Contracts Initially Recognised In Period Insurance Contracts Liability Asset IncreaseDecreaseThroughEffectsOfGroupsOfOnerousContractsInitiallyRecognisedInPeriodInsuranceContractsLiabilityAsset	71000000	gbp
CY2023	ifrs-full	Increase Decrease Through Effects Of Contracts Initially Recognised In Period Insurance Contracts Liability Asset IncreaseDecreaseThroughEffectsOfContractsInitiallyRecognisedInPeriodInsuranceContractsLiabilityAsset	71000000	gbp
CY2022	ifrs-full	Increase Decrease Through Effects Of Contracts Acquired In Period Insurance Contracts Liability Asset IncreaseDecreaseThroughEffectsOfContractsAcquiredInPeriodInsuranceContractsLiabilityAsset	0	gbp
CY2022	ifrs-full	Increase Decrease Through Effects Of Groups Of Onerous Contracts Initially Recognised In Period Insurance Contracts Liability Asset IncreaseDecreaseThroughEffectsOfGroupsOfOnerousContractsInitiallyRecognisedInPeriodInsuranceContractsLiabilityAsset	75000000	gbp
CY2022	ifrs-full	Increase Decrease Through Effects Of Contracts Initially Recognised In Period Insurance Contracts Liability Asset IncreaseDecreaseThroughEffectsOfContractsInitiallyRecognisedInPeriodInsuranceContractsLiabilityAsset	75000000	gbp
CY2023Q4	ifrs-full	Fair Value Of Underlying Items For Contracts With Direct Participation Features FairValueOfUnderlyingItemsForContractsWithDirectParticipationFeatures	101425000000	gbp
CY2022Q4	ifrs-full	Fair Value Of Underlying Items For Contracts With Direct Participation Features FairValueOfUnderlyingItemsForContractsWithDirectParticipationFeatures	90926000000	gbp
CY2023	ifrs-full	Disclosure Of Information About Expected Recognition Of Contractual Service Margin In Profit Or Loss Explanatory DisclosureOfInformationAboutExpectedRecognitionOfContractualServiceMarginInProfitOrLossExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table analyses the expected recognition of the contractual service margin (CSM) in profit or loss.</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:23.208%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Less than 1<br/> year<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 2<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2 to 3<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 4<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">5 to 10<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 10<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(106)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(99)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(92)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(87)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(82)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(340)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(708)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,514)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pensions and investments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(186)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(176)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(168)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(157)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(133)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(535)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,088)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,443)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Protection and other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(41)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(37)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(33)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(27)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(104)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(186)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(458)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance and participating investment contracts</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(333)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(312)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(293)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(274)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(242)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(979)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,982)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,415)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contracts held</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">48</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">94</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">221</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(313)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(295)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(278)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(260)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(229)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(931)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,888)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,194)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:23.208%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Less than 1<br/> year<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 2<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 to 3<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 to 4<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 to 10<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Over 10<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(91)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(85)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(79)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(75)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(71)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(297)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(608)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,306)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Pensions and investments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(173)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(162)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(153)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(143)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(134)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(564)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,073)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,402)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Protection and other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(41)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(37)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(34)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(32)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(29)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(114)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(215)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(502)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance and participating investment contracts</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(305)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(284)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(266)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(250)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(234)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(975)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,896)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,210)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contracts held</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">96 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">211 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(289)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(269)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(253)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(238)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(222)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(928)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,800)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,999)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023Q4	ifrs-full	Contractual Service Margin ContractualServiceMargin	4194000000	gbp
CY2022Q4	ifrs-full	Contractual Service Margin ContractualServiceMargin	3999000000	gbp
CY2023	ifrs-full	Disclosure Of Sensitivity Analysis For Actuarial Assumptions Explanatory DisclosureOfSensitivityAnalysisForActuarialAssumptionsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 36: Life insurance sensitivity analysis</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Critical accounting judgements and key sources of estimation uncertainty</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:28.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:69.788%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Key sources of estimation uncertainty:</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Future investment returns, mortality rates and expenses, annuitant mortality, future maintenance and investment expenses, widening of credit default spreads and increase in illiquidity premia</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table demonstrates the effect of reasonably possible changes in key assumptions on profit before tax and equity disclosed in these financial statements assuming that the other assumptions remain unchanged. In practice this is unlikely to occur, and changes in some assumptions may be correlated. The sensitivities below are on a gross of reinsurance basis, which do not differ materially from the sensitivities net of reinsurance. These amounts include movements in liabilities relating to insurance and participating investment contracts and related assets in order to demonstrate the impacts on shareholder profit and equity. Therefore, these sensitivities have not been applied to the proportion of assets and liabilities where the risks are borne by the policyholder and where assets and liabilities are well matched so as not to have a significant impact on shareholder profit.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:45.770%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.456%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Change in variable</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Increase<br/>(reduction)<br/>in profit<br/>before tax<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Increase<br/>(reduction)<br/>in equity<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Increase<br/>(reduction)<br/>in profit<br/>before tax<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Increase<br/>(reduction)<br/>in equity<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Key sources of estimation uncertainty</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Annuitant mortality</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% reduction</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">85 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">69 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% increase</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(75)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(56)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(101)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(82)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Future maintenance and investment expenses</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% reduction</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% increase</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(29)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(28)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(23)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Risk free rate, including illiquidity premia</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1% reduction</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">393</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">294</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">357 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1% increase</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(333)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(250)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(317)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(256)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Widening of credit default spreads on corporate bonds</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.25% addition</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(316)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(237)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(276)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(224)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other accounting estimates</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-annuitant mortality and morbidity</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% reduction</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5% increase</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(63)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(47)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(54)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(44)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lapse rates</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">6</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% reduction</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10% increase</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 This sensitivity shows the impact on the annuity and deferred annuity business of reducing/increasing mortality rates to 95/105 per cent of the expected rate. </span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 This sensitivity shows the impact of reducing/increasing maintenance expenses and investment expenses to 90/110 per cent of the expected rate.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 This sensitivity shows the impact of a 100 basis point increase/decrease in the risk-free rate, including illiquidity premia. This impacts both the related assets and liabilities.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 This sensitivity shows the impact of a 25 basis point increase in credit default spreads on corporate bonds and the corresponding reduction in market values. Swap curves, the risk-free rate and illiquidity premia are all assumed to be unchanged and therefore this sensitivity impacts the related assets.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 This sensitivity shows the impact of reducing/increasing mortality and morbidity rates on non-annuity business to 95/105 per cent of the expected rate.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6 This sensitivity shows the impact of reducing/increasing lapse and surrender rates to 90/110 per cent of the expected rate.</span></div>
CY2023Q4	lyg	Allowance For Illiquid Premia AllowanceForIlliquidPremia	0.0100
CY2023Q4	lyg	Credit Default Spreads CreditDefaultSpreads	0.0025
CY2023	ifrs-full	Disclosure Of Other Liabilities Explanatory DisclosureOfOtherLiabilitiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 37: Other liabilities</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contract liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Settlement balances and items in the course of transmission to banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,429</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,497 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Third party interests in consolidated funds</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,518</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,413 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,632</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,317 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other creditors and accruals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,439</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,518 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total other liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,026</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,764 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for presentational changes and for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Where a collective investment vehicle is consolidated, the interests of parties other than the Group are reported at fair value in other liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The maturity analysis of the Group’s lease liabilities on an undiscounted basis is set out in the liquidity risk section of note 52.</span></div>
CY2023Q4	ifrs-full	Reinsurance Contracts Held That Are Liabilities ReinsuranceContractsHeldThatAreLiabilities	8000000	gbp
CY2022Q4	ifrs-full	Reinsurance Contracts Held That Are Liabilities ReinsuranceContractsHeldThatAreLiabilities	19000000	gbp
CY2023Q4	ifrs-full	Lease Liabilities LeaseLiabilities	1632000000	gbp
CY2022Q4	ifrs-full	Lease Liabilities LeaseLiabilities	1317000000	gbp
CY2023Q4	ifrs-full	Other Liabilities OtherLiabilities	19026000000	gbp
CY2022Q4	ifrs-full	Other Liabilities OtherLiabilities	18764000000	gbp
CY2023	ifrs-full	Disclosure Of Other Provisions Explanatory DisclosureOfOtherProvisionsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 38: Provisions</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Critical accounting judgements and key sources of estimation uncertainty</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:28.012%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:69.788%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Critical judgement:</span></td><td colspan="3" style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Determining whether a present obligation exists and whether it is more likely than not that an outflow of resources will be required to settle that obligation</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-left:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Key sources of estimation uncertainty:</span></td><td colspan="3" style="border-bottom:0.25pt solid #6d6d6d;border-right:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Populations impacted, response rates and uphold rates</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Determining the amount of the provisions, which represent management’s best estimate of the cost of settling these issues, requires the exercise of significant judgement and estimation. It will often be necessary to form a view on matters which are inherently uncertain, such as the scope of reviews required by regulators, and to estimate the number of future complaints, the extent to which they will be upheld, the average cost of redress and the impact of decisions reached by legal and other review processes that may be relevant to claims received. Consequently the continued appropriateness of the underlying assumptions is reviewed on a regular basis against actual experience and other relevant evidence and adjustments made to the provisions where appropriate. </span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 38: Provisions</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:61.054%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Provisions<br/>for financial<br/>commitments<br/>and guarantees<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Regulatory<br/>and legal<br/>provisions<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January 2023</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">323</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">803</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">677</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,803</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Provisions applied</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(378)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(372)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(750)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Charge for the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">675</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">342</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,017</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">322</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,105</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">650</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,077</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Provisions for financial commitments and guarantees</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Provisions are recognised for expected credit losses on undrawn loan commitments and financial guarantees.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Regulatory and legal provisions </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In the course of its business, the Group is engaged on a regular basis in discussions with UK and overseas regulators and other governmental authorities on a range of matters, including legal and regulatory reviews and, from time to time, enforcement investigations (including in relation to compliance with applicable laws and regulations, such as those relating to prudential regulation, consumer protection, investment advice, business conduct, systems and controls, environmental, competition/anti-trust, tax, anti-bribery, anti-money laundering and sanctions). Any matters discussed or identified during such discussions and inquiries may result in, among other things, further inquiry or investigation, other action being taken by governmental and/or regulatory authorities, increased costs being incurred by the Group, remediation of systems and controls, public or private censure, restriction of the Group’s business activities and/or fines. The Group also receives complaints in connection with its past conduct and claims brought by or on behalf of current and former employees, customers (including their appointed representatives), investors and other third parties and is subject to legal proceedings and other legal actions from time to time. Any events or circumstances disclosed could have a material adverse effect on the Group’s financial position, operations or cash flows. Provisions are held where the Group can reliably estimate a probable outflow of economic resources. The ultimate liability of the Group may be significantly more, or less, than the amount of any provision recognised. If the Group is unable to determine a reliable estimate, a contingent liability is disclosed. The recognition of a provision does not amount to an admission of liability or wrongdoing on the part of the Group. During the year ended 31 December 2023 the Group charged a further £675 million in respect of legal actions and other regulatory matters and the unutilised balance at 31 December 2023 was £1,105 million (31 December 2022: £803 million). The most significant items are outlined below.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Motor commission review</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">A £450 million provision, all recognised in the fourth quarter, has been established for the potential impact of the recently announced FCA review into historical motor finance commission arrangements and sales.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As disclosed in previous periods, the Group continues to receive a number of court claims and complaints in respect of motor finance commissions and is actively engaging with the FOS in its assessment of these complaints. On 10 January 2024, the FOS issued its Final Decision on a complaint relating to the Group, as well as decisions relating to other industry participants. On 11 January 2024, the FCA announced a section 166 review of historical motor finance commission arrangements and sales and plans to communicate a decision on next steps in the third quarter of 2024 on the basis of the evidence collated in the review. The FCA has indicated that such steps could include establishing an industry-wide consumer redress scheme and/or applying to the Financial Markets Test Case Scheme, to help resolve any contested legal issues of general importance.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Following the FCA Motor Market Review in March 2019, the FCA issued a policy statement in July 2020 prohibiting the use of discretionary commission models from 28 January 2021, which the Group adhered to. The Group continues to believe that its historical practices were compliant with the law and regulations in place at that time. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As noted above, in response to both the FOS decisions and the FCA announcement the Group has recognised a charge of £450 million. This includes estimates for operational and legal costs, including litigation costs, together with estimates for potential awards, based on various scenarios using a range of assumptions, including for example, commission models, commission rates, applicable time periods (between 2007 and 2021), response rates and uphold rates. Costs and awards could arise in the event that the FCA concludes there has been misconduct and customer loss that requires remediation, or from adverse litigation decisions. However, while the FCA review is progressing there is significant uncertainty as to the extent of misconduct and customer loss, if any, the nature and extent of any remediation action, if required, and its timing. The ultimate financial impact could therefore materially differ from the amount provided, both higher or lower. The Group welcomes the FCA intervention through an independent section 166 review.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">HBOS Reading – review</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group continues to apply the recommendations from Sir Ross Cranston’s review, issued in December 2019, including a reassessment of direct and consequential losses by an independent panel (the Foskett Panel), an extension of debt relief and a wider definition of de facto directors. The Foskett Panel’s full scope and methodology was published on 7 July 2020. The Foskett Panel’s stated objective is to consider cases via a non-legalistic and fair process and to make its decisions in a generous, fair and common sense manner, assessing claims against an expanded definition of the fraud and on a lower evidential basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In June 2022, the Foskett Panel announced an alternative option, in the form of a fixed sum award which could be accepted as an alternative to participation in the full re-review process, to support earlier resolution of claims for those deemed by the Foskett Panel to be victims of the fraud. Around 90 per cent of the population have now had outcomes via this new process. The provision is unchanged in 2023. Notwithstanding the settled claims and the increase in outcomes which builds confidence in the full estimated cost, uncertainties remain and the final outcome could be different from the current provision once the re-review is concluded by the Foskett Panel. There is no confirmed timeline for the completion of the Foskett Panel re-review process nor the review by Dame Linda Dobbs. The Group is committed to implementing Sir Ross Cranston’s recommendations in full.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 38: Provisions</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Payment protection insurance (PPI)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has incurred costs for PPI over a number of years totalling £21,960 million. The Group continues to challenge PPI litigation cases, with mainly legal fees and operational costs associated with litigation activity recognised within regulatory and legal provisions.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Customer claims in relation to insurance branch business in Germany</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group continues to receive claims from customers in Germany relating to policies issued by Clerical Medical Investment Group Limited (subsequently renamed Scottish Widows Limited), with smaller numbers of claims received from customers in Austria and Italy. The total provision made to 31 December 2023, was £709 million (31 December 2022: £709 million) with £13 million utilisation of the provision during the year, leaving an unutilised provision at 31 December 2023 of £75 million. The ultimate financial effect, which could be significantly different from the current provision, will be known only once all relevant claims have been resolved.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Other</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group carries provisions of £137 million (2022: £112 million) in respect of dilapidations, rent reviews and other property-related matters.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Provisions are also made for staff and other costs related to Group restructuring initiatives at the point at which the Group becomes committed to the expenditure; at 31 December 2023 provisions of £245 million (31 December 2022: £112 million) were held.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group carries provisions of £46 million (2022: £86 million) for indemnities and other matters relating to legacy business disposals in prior years. Whilst there remains significant uncertainty as to the timing of the utilisation of the provisions, the Group expects the majority of the remaining provisions to have been utilised by 31 December 2026.</span></div>
CY2023Q4	ifrs-full	Restructuring Provision RestructuringProvision	245000000	gbp
CY2022Q4	ifrs-full	Restructuring Provision RestructuringProvision	112000000	gbp
CY2023	ifrs-full	Disclosure Of Subordinated Liabilities Explanatory DisclosureOfSubordinatedLiabilitiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 39: Subordinated liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The movement in subordinated liabilities during the year was as follows:</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:53.048%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.492%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Preference<br/>shares<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Preferred<br/>securities<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Undated<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Dated<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January 2022</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">488 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,661 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,785 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,108 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Issued during the year</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">:</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.953% Fixed Rate Reset Dated Subordinated notes 2033 (US$1,000 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">838 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">838 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">838 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">838 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Repurchases and redemptions during the year</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">:</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12% Fixed to Floating Rate Perpetual Tier 1 Capital Securities callable 2024 (US$2,000 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,399)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,399)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13% Sterling Step-up Perpetual Capital Securities callable 2029 (£700 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(221)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(221)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.281% Perpetual Regulatory Tier One Securities (Series B) (£150 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.881% Guaranteed Non-voting Non-cumulative Preferred Securities (£245 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12% Perpetual Subordinated Bonds (£100 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(22)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.75% Undated Subordinated Step-up Notes (£600 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.625% Dated Subordinated Notes 2025 (£750 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(502)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(502)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,654)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(502)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,182)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign exchange movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">699 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">701 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other movements (cash and non-cash)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(26)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,710)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,735)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">470 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">150 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,110 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,730 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Issued during the year</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">:</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.625% Fixed Rate Reset Dated Subordinated Notes 2033 (£750 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">747</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">747</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.25% Fixed Rate Reset Dated Subordinated Notes 2033 (S$500 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">288</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">288</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fixed-to-Floating Rate Dated Subordinated Notes 2033 (A$750 million)</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">382</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">382</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,417</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,417</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Repurchases and redemptions during the year</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">:</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.625% Subordinated Bonds 2023 (£300 million)</span></div></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(92)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(92)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.07% Subordinated Fixed Rate Notes 2023 (€175 million) </span></div></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(155)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(155)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5.5% Dated Subordinated Notes 2023 (£850 million)</span></div></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(850)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(850)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Dated Subordinated Fixed Rate Reset Notes 2028 (€750 million)</span></div></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(643)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(643)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8.75% Perpetual Subordinated Bonds (£100 million)</span></div></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.375% Subordinated Undated Instruments (£150 million)</span></div></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8% Undated Subordinated Step-up Notes 2023 (£200 million)</span></div></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,740)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,745)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign exchange movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(379)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(381)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other movements (cash and non-cash)</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">235</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">232</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">466</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">144</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,643</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,253</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Issuances in the year generated cash inflows of £1,417 million (2022: £838 million); the repurchases and redemptions resulted in cash outflows of £1,745 million (2022: £2,216 million).</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other movements include hedge accounting movements and cash payments in respect of interest on subordinated liabilities in the year amounting to £623 million (2022: £603 million) offset by the interest expense in respect of subordinated liabilities of £712 million (2022: £681 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 39: Subordinated liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Certain of the above securities were issued or redeemed under exchange offers, which did not result in an extinguishment of the original financial liability for accounting purposes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">These securities will, in the event of the winding-up of the issuer, be subordinated to the claims of depositors and all other creditors of the issuer, other than creditors whose claims rank equally with, or are junior to, the claims of the holders of the subordinated liabilities. The subordination of specific subordinated liabilities is determined in respect of the issuer and any guarantors of that liability. The claims of holders of preference shares and preferred securities are generally junior to those of the holders of undated subordinated liabilities, which in turn are junior to the claims of holders of the dated subordinated liabilities. The Group has not had any defaults of principal or interest or other breaches with respect to its subordinated liabilities during 2023 (2022: none).</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Preference shares</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Company has in issue various classes of preference shares which are all classified as liabilities under accounting standards.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:26.265%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.749%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">of shares</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">of shares</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">% of<br/>share<br/>capital</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% of<br/>share<br/>capital</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6% Non-cumulative Redeemable Preference shares of GBP0.25</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">400</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">400</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">400</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.475% Non-cumulative Preference shares of GBP0.25</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47,273,816</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47,273,816</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47,273,816</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.07</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.07 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.25% Non-cumulative Irredeemable Preference shares of GBP0.25</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">252,510,147</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">252,510,147</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">252,510,147</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.40</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9.75% Non-cumulative Irredeemable Preference shares of GBP0.25</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">43,630,285</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43,630,285</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43,630,285</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.07</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.06 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.413% Non-cumulative Fixed/Floating Rate Callable Preference shares of USD0.25</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">48,990</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,990</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,990</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6.657% Non-cumulative Fixed/Floating Rate Callable Preference shares of USD0.25</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,627</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,627</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,627</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2021Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	13108000000	gbp
CY2022	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	838000000	gbp
CY2022	ifrs-full	Expected Cash Outflow On Redemption Or Repurchase Of Puttable Financial Instruments ExpectedCashOutflowOnRedemptionOrRepurchaseOfPuttableFinancialInstruments	2182000000	gbp
CY2022	ifrs-full	Increase Decrease Through Effect Of Changes In Foreign Exchange Rates Liabilities Arising From Financing Activities IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities	701000000	gbp
CY2022	ifrs-full	Increase Decrease Through Other Movements Financial Assets IncreaseDecreaseThroughOtherMovementsFinancialAssets	-1735000000	gbp
CY2022Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	10730000000	gbp
CY2023	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	1417000000	gbp
CY2023	ifrs-full	Expected Cash Outflow On Redemption Or Repurchase Of Puttable Financial Instruments ExpectedCashOutflowOnRedemptionOrRepurchaseOfPuttableFinancialInstruments	1745000000	gbp
CY2023	ifrs-full	Increase Decrease Through Effect Of Changes In Foreign Exchange Rates Liabilities Arising From Financing Activities IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities	-381000000	gbp
CY2023	ifrs-full	Increase Decrease Through Other Movements Financial Assets IncreaseDecreaseThroughOtherMovementsFinancialAssets	232000000	gbp
CY2023Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	10253000000	gbp
CY2023	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	1417000000	gbp
CY2022	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	838000000	gbp
CY2023	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	1745000000	gbp
CY2022	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	2216000000	gbp
CY2023	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	623000000	gbp
CY2022	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	603000000	gbp
CY2023Q4	lyg	Default Of Subordinated Liabilities DefaultOfSubordinatedLiabilities	0	gbp
CY2022Q4	lyg	Default Of Subordinated Liabilities DefaultOfSubordinatedLiabilities	0	gbp
CY2023	ifrs-full	Disclosure Of Issued Capital Explanatory DisclosureOfIssuedCapitalExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 40: Share capital</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Issued and fully paid ordinary share capital</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:26.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.749%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Ordinary shares of 10p (formerly 25p) each</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">% of<br/>share<br/>capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% of<br/>share<br/>capital</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">67,287,852,204</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71,022,593,135</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">70,839,206,060</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,729</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,102 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,084 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Issued under employee share schemes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">667,636,165</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">793,990,660</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">183,387,075</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">67</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">80 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share buyback programme (note 43)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,386,262,707)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,528,731,591)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">–</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(438)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(453)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63,569,225,662</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67,287,852,204</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71,022,593,135</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,358</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">99.46</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,729 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99.50 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,102 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Ordinary shares</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As permitted by the Companies Act 2006, the Company removed references to authorised share capital from its articles of association at the annual general meeting on 5 June 2009. This change took effect from 1 October 2009. There are no restrictions on the transfer of shares in the Company other than as set out in the articles of association and:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Certain restrictions which may from time to time be imposed by law and regulations (for example, insider trading laws)</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Where directors and certain employees of the Company require the approval of the Company to deal in the Company’s shares</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Pursuant to the rules of some of the Company’s employee share plans where certain restrictions may apply while the shares are subject to the plans</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Where, under an employee share plan operated by the Company, participants are the beneficial owners of shares but not the registered owners, the voting rights are normally exercised by the registered owner at the direction of the participant. Outstanding awards and options would normally vest and become exercisable on a change of control, subject to the satisfaction of any performance conditions at that time.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 40: Share capital</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">All of the Company’s issued ordinary share capital is listed (i.e. the free float percentage of the ordinary shares is 100 per cent) and none of the shares have any multiple or unequal voting rights; each share carries one vote. In addition, the Company is not aware of any agreements between shareholders that may result in restrictions on the transfer of securities and/or voting rights. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The directors have authority to allot and issue ordinary and preference shares and to make market purchases of ordinary and preference shares as granted at the annual general meeting on 18 May 2023. The authority to issue shares and the authority to make market purchases of shares will expire at the next annual general meeting. Shareholders will be asked, at the annual general meeting, to give similar authorities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Subject to any rights or restrictions attached to any shares, on a show of hands at a general meeting of the Company every holder of shares present in person or by proxy and entitled to vote has one vote and on a poll every member present and entitled to vote has one vote for every share held. The special rights attached to any class of shares in the Company may, subject to the statutory provisions, be varied or abrogated either with the consent in writing of the holders of three-quarters in nominal value of the issued shares of the class or with the sanction of a special resolution passed at a separate meeting of the holders of the shares of the class (but not otherwise).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The holders of ordinary shares, who held 100 per cent of the total ordinary share capital at 31 December 2023, are entitled to receive the Company’s report and accounts, attend, speak and vote at general meetings and appoint proxies to exercise voting rights. Holders of ordinary shares may also receive a dividend (subject to the provisions of the Company’s articles of association) and on a winding-up may share in the assets of the Company.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Preference shares</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Company has in issue various classes of preference shares which are all classified as liabilities under accounting standards and which are included in note 39.</span></div>
CY2023	ifrs-full	Disclosure Of Classes Of Share Capital Explanatory DisclosureOfClassesOfShareCapitalExplanatory	<div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:26.847%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.544%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.749%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Ordinary shares of 10p (formerly 25p) each</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">% of<br/>share<br/>capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% of<br/>share<br/>capital</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">67,287,852,204</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71,022,593,135</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">70,839,206,060</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,729</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,102 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,084 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Issued under employee share schemes</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">667,636,165</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">793,990,660</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">183,387,075</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">67</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">80 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share buyback programme (note 43)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,386,262,707)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,528,731,591)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">–</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(438)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(453)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63,569,225,662</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67,287,852,204</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71,022,593,135</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,358</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">99.46</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,729 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99.50 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,102 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	lyg	Number Of Votes NumberOfVotes	1	vote
CY2023	lyg	Number Of Votes NumberOfVotes	1	vote
CY2023	ifrs-full	Proportion Of Voting Rights Held By Noncontrolling Interests ProportionOfVotingRightsHeldByNoncontrollingInterests	100
CY2023	ifrs-full	Disclosure Of Earnings Per Share Explanatory DisclosureOfEarningsPerShareExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 41: Earnings per share</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Profit attributable to ordinary shareholders – basic and diluted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,933</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,389 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,355 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted average number of ordinary shares in issue – basic</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">64,953</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68,847 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">70,937 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustment for share options and awards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">807</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">835 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">848 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted average number of ordinary shares in issue – diluted</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">65,760</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">69,682 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71,785 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Basic earnings per share</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.6p</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.9p</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.5p</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Diluted earnings per share</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7.5p</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.9p</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.5p</span></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Basic earnings per share are calculated by dividing the net profit attributable to equity shareholders by the weighted average number of ordinary shares in issue during the year, which has been calculated after deducting 180 million (2022: 198 million; 2021: 19 million) ordinary shares representing the Group’s holdings of own shares in respect of employee share schemes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For the calculation of diluted earnings per share the weighted average number of ordinary shares in issue is adjusted to assume conversion of all dilutive potential ordinary shares that arise in respect of share options and awards granted to employees. The number of shares that could have been acquired at the annual average price of the Company’s shares based on the monetary value of the subscription rights attached to outstanding share options and awards is determined. This is deducted from the number of shares issuable under such options and awards to leave a residual bonus amount of shares which are added to the weighted average number of ordinary shares in issue, but no adjustment is made to the profit attributable to equity shareholders.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">There were 41 million anti-dilutive share options and awards excluded from the calculation of diluted earnings per share (2022: 63 million; 2021: 143 million).</span></div>
CY2023	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	4933000000	gbp
CY2022	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	3389000000	gbp
CY2021	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	5355000000	gbp
CY2023	ifrs-full	Weighted Average Shares WeightedAverageShares	64953000000	shares
CY2022	ifrs-full	Weighted Average Shares WeightedAverageShares	68847000000	shares
CY2021	ifrs-full	Weighted Average Shares WeightedAverageShares	70937000000	shares
CY2023	ifrs-full	Dilutive Effect Of Share Options On Number Of Ordinary Shares DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares	807000000	shares
CY2022	ifrs-full	Dilutive Effect Of Share Options On Number Of Ordinary Shares DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares	835000000	shares
CY2021	ifrs-full	Dilutive Effect Of Share Options On Number Of Ordinary Shares DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares	848000000	shares
CY2023	ifrs-full	Adjusted Weighted Average Shares AdjustedWeightedAverageShares	65760000000	shares
CY2022	ifrs-full	Adjusted Weighted Average Shares AdjustedWeightedAverageShares	69682000000	shares
CY2021	ifrs-full	Adjusted Weighted Average Shares AdjustedWeightedAverageShares	71785000000	shares
CY2023	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.076
CY2022	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.049
CY2021	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.075
CY2023	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.075
CY2022	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.049
CY2021	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.075
CY2023Q4	ifrs-full	Shares Reserved For Issue Under Options And Contracts For Sale Of Shares SharesReservedForIssueUnderOptionsAndContractsForSaleOfShares	180000000	shares
CY2022Q4	ifrs-full	Shares Reserved For Issue Under Options And Contracts For Sale Of Shares SharesReservedForIssueUnderOptionsAndContractsForSaleOfShares	198000000	shares
CY2021Q4	ifrs-full	Shares Reserved For Issue Under Options And Contracts For Sale Of Shares SharesReservedForIssueUnderOptionsAndContractsForSaleOfShares	19000000	shares
CY2023	ifrs-full	Number Of Instruments That Are Antidilutive In Period Presented NumberOfInstrumentsThatAreAntidilutiveInPeriodPresented	41000000	shares
CY2022	ifrs-full	Number Of Instruments That Are Antidilutive In Period Presented NumberOfInstrumentsThatAreAntidilutiveInPeriodPresented	63000000	shares
CY2021	ifrs-full	Number Of Instruments That Are Antidilutive In Period Presented NumberOfInstrumentsThatAreAntidilutiveInPeriodPresented	143000000	shares
CY2022Q4	ifrs-full	Share Premium SharePremium	18504000000	gbp
CY2021Q4	ifrs-full	Share Premium SharePremium	18479000000	gbp
CY2020Q4	ifrs-full	Share Premium SharePremium	17863000000	gbp
CY2023	lyg	Stock Issued During Period Value Employee Stock Purchase Plan1 StockIssuedDuringPeriodValueEmployeeStockPurchasePlan1	64000000	gbp
CY2022	lyg	Stock Issued During Period Value Employee Stock Purchase Plan1 StockIssuedDuringPeriodValueEmployeeStockPurchasePlan1	25000000	gbp
CY2021	lyg	Stock Issued During Period Value Employee Stock Purchase Plan1 StockIssuedDuringPeriodValueEmployeeStockPurchasePlan1	19000000	gbp
CY2023	lyg	Payments For Repurchase Of Redeemable Preferred Stock1 PaymentsForRepurchaseOfRedeemablePreferredStock1	0	gbp
CY2022	lyg	Payments For Repurchase Of Redeemable Preferred Stock1 PaymentsForRepurchaseOfRedeemablePreferredStock1	0	gbp
CY2021	lyg	Payments For Repurchase Of Redeemable Preferred Stock1 PaymentsForRepurchaseOfRedeemablePreferredStock1	597000000	gbp
CY2023Q4	ifrs-full	Share Premium SharePremium	18568000000	gbp
CY2022Q4	ifrs-full	Share Premium SharePremium	18504000000	gbp
CY2021Q4	ifrs-full	Share Premium SharePremium	18479000000	gbp
CY2021	lyg	Payments For Repurchase Of Redeemable Preferred Stock1 PaymentsForRepurchaseOfRedeemablePreferredStock1	597000000	gbp
CY2023	ifrs-full	Disclosure Of Reserves And Other Equity Interest Explanatory DisclosureOfReservesAndOtherEquityInterestExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 43: Other reserves</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:72.262%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Merger reserve</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,149</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,149 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,149 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Capital redemption reserve</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,370</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,932 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,479 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Revaluation reserve in respect of debt securities held at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(67)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">207 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Revaluation reserve in respect of equity shares held at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash flow hedging reserve</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,766)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,476)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(457)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign currency translation reserve</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(178)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(125)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,508</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,587 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,189 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The merger reserve primarily comprises the premium on shares issued in January 2009 as part of the recapitalisation of the Group and the acquisition of HBOS plc.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The capital redemption reserve represents transfers from distributable reserves in accordance with companies’ legislation upon the redemption of ordinary and preference share capital.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The revaluation reserves in respect of debt securities and equity shares held at fair value through other comprehensive income represent the cumulative after-tax unrealised change in the fair value of financial assets so classified since initial recognition; or in the case of financial assets obtained on acquisitions of businesses, since the date of acquisition.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The cash flow hedging reserve represents the cumulative after-tax gains and losses on effective cash flow hedging instruments that will be reclassified to the income statement in the periods in which the hedged item affects profit or loss.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The foreign currency translation reserve represents the cumulative after-tax gains and losses on the translation of foreign operations and exchange differences arising on financial instruments designated as hedges of the Group’s net investment in foreign operations.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Movements in other reserves were as follows:</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Merger reserve</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,149</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,149 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,763 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Redemption of preference shares (note 42)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(614)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,149</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,149 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,149 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Capital redemption reserve</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,932</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,479 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,462 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Redemption of preference shares (note 42)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Shares cancelled under share buyback programme (see below)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">438</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,370</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,932 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,479 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In 2023 and 2022 the Group commenced and completed share buyback programmes to repurchase outstanding ordinary shares. In 2023 the Group bought back and cancelled 4,386 million shares under the programme (2022: 4,529 million shares), for a total consideration, including expenses, of £1,993 million (2022: £2,013 million). Upon cancellation, £438 million (2022: £453 million), being the nominal value of the shares repurchased, was transferred to the capital redemption reserve.</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Revaluation reserve in respect of debt securities held at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">50</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">207 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in fair value</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(40)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(133)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">133 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(45)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(28)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(94)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">88 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Income statement transfers in respect of disposals (note 11)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(122)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(92)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(87)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(69)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment recognised in the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(67)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">207 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 43: Other reserves</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:8pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Revaluation reserve in respect of equity shares held at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">57</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(47)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in fair value</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(54)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">61 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(57)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">57 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Realised gains and losses transferred to retained profits</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">57 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Cash flow hedging reserve</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(5,476)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(457)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,629 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in fair value of hedging derivatives</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">545</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,990)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,279)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(160)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,940 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">646 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">385</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,050)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,633)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net income statement transfers</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,838</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(621)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(513)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">168 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,325</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(453)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,766)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,476)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(457)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:2pt;margin-top:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.661%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.818%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.818%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Foreign currency translation reserve</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustment on the adoption of IFRS 17</span></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(125)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(210)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(159)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency translation differences arising in the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(53)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">116 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(39)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Income statement transfers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(178)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(125)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(198)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div>
CY2023Q4	ifrs-full	Other Reserves OtherReserves	8508000000	gbp
CY2022Q4	ifrs-full	Other Reserves OtherReserves	6587000000	gbp
CY2022Q4	lyg	Other Equity Instruments OtherEquityInstruments	5297000000	gbp
CY2021Q4	lyg	Other Equity Instruments OtherEquityInstruments	5906000000	gbp
CY2020Q4	lyg	Other Equity Instruments OtherEquityInstruments	5906000000	gbp
CY2023	lyg	Redemptions Of Other Equity Instruments Excluding Repurchase Costs RedemptionsOfOtherEquityInstrumentsExcludingRepurchaseCosts	135000000	gbp
CY2022	lyg	Redemptions Of Other Equity Instruments Excluding Repurchase Costs RedemptionsOfOtherEquityInstrumentsExcludingRepurchaseCosts	1359000000	gbp
CY2021	lyg	Redemptions Of Other Equity Instruments Excluding Repurchase Costs RedemptionsOfOtherEquityInstrumentsExcludingRepurchaseCosts	0	gbp
CY2023	lyg	Profit Loss Other Equity Instruments ProfitLossOtherEquityInstruments	527000000	gbp
CY2022	lyg	Profit Loss Other Equity Instruments ProfitLossOtherEquityInstruments	438000000	gbp
CY2021	lyg	Profit Loss Other Equity Instruments ProfitLossOtherEquityInstruments	429000000	gbp
CY2023	lyg	Distributions Of Profit Loss Other Equity Instruments DistributionsOfProfitLossOtherEquityInstruments	527000000	gbp
CY2022	lyg	Distributions Of Profit Loss Other Equity Instruments DistributionsOfProfitLossOtherEquityInstruments	438000000	gbp
CY2021	lyg	Distributions Of Profit Loss Other Equity Instruments DistributionsOfProfitLossOtherEquityInstruments	429000000	gbp
CY2023Q4	lyg	Other Equity Instruments OtherEquityInstruments	6940000000	gbp
CY2022Q4	lyg	Other Equity Instruments OtherEquityInstruments	5297000000	gbp
CY2021Q4	lyg	Other Equity Instruments OtherEquityInstruments	5906000000	gbp
CY2023	lyg	Fully Loaded Common Equity Tier1 Ratio FullyLoadedCommonEquityTier1Ratio	0.070
CY2023	ifrs-full	Disclosure Of Dividends Explanatory DisclosureOfDividendsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 46: Dividends on ordinary shares</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The directors have recommended a final dividend, which is subject to approval by the shareholders at the annual general meeting on 16 May 2024, of 1.84 pence per ordinary share (2022: 1.60 pence per ordinary share), equivalent to £1,169 million, before the impact of any cancellations of shares under the Company’s buyback programme (2022: £1,059 million, following cancellations of shares under the Company’s 2023 buyback programme up to the record date), which will be paid on 21 May 2024. These financial statements do not reflect the recommended dividend.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Dividends paid during the year were as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:46.498%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">pence per</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">share</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">pence per</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">share</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">pence per</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">share</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Final dividend recommended by directors at previous year end</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1.60</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.33 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.57 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,059</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">930 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">404 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interim dividend paid in the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.92</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.80 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">545 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">473 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.52</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.13 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1.24 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,651</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,475 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">877 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The trustees of the following holdings of Lloyds Banking Group plc shares in relation to employee share schemes retain the right to receive dividends but have chosen to waive their entitlement to the dividends on those shares as indicated: the Lloyds Banking Group Share Incentive Plan (holding at 31 December 2023: 3,280,207 shares, 31 December 2022: 32,377,089 shares, waived rights to all dividends) and the Lloyds Banking Group Employee Share Ownership Trust (holding at 31 December 2023: 57,736,111 shares, 31 December 2022: 311,540,740 shares, waived rights to all dividends).</span></div>
CY2023	ifrs-full	Dividends Paid Ordinary Shares Per Share DividendsPaidOrdinarySharesPerShare	0.0252
CY2022	ifrs-full	Dividends Paid Ordinary Shares Per Share DividendsPaidOrdinarySharesPerShare	0.0213
CY2021	ifrs-full	Dividends Paid Ordinary Shares Per Share DividendsPaidOrdinarySharesPerShare	0.0124
CY2023	ifrs-full	Dividends Paid Ordinary Shares DividendsPaidOrdinaryShares	1651000000	gbp
CY2022	ifrs-full	Dividends Paid Ordinary Shares DividendsPaidOrdinaryShares	1475000000	gbp
CY2021	ifrs-full	Dividends Paid Ordinary Shares DividendsPaidOrdinaryShares	877000000	gbp
CY2023	ifrs-full	Disclosure Of Related Party Explanatory DisclosureOfRelatedPartyExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 47: Related party transactions</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Key management personnel</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Key management personnel are those persons having authority and responsibility for planning, directing and controlling the activities of an entity; the Group’s key management personnel are the members of the Lloyds Banking Group plc Group Executive Committee together with its non-executive directors.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below details, on an aggregated basis, key management personnel compensation:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Compensation</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Salaries and other short-term benefits</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Post-employment benefits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share-based payments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total compensation</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Aggregate contributions in respect of key management personnel to defined contribution pension schemes were £nil (2022: £nil; 2021: £nil).</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:41.403%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Share option plans</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Share plans</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">72</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">117 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Granted, including certain adjustments (includes entitlements of appointed key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exercised/lapsed (includes entitlements of former key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(44)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(62)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">55</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">72 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The tables below detail, on an aggregated basis, balances outstanding at the year end and related income and expense, together with information relating to other transactions between the Group and its key management personnel:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Loans</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Advanced (includes loans to appointed key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repayments (includes loans to former key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The loans are on both a secured and unsecured basis and are expected to be settled in cash. The loans attracted interest rates of between 1.09 per cent and 32.40 per cent in 2023 (2022: 1.01 per cent and 30.15 per cent; 2021: 0.39 per cent and 22.93 per cent).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">No provisions have been recognised in respect of loans given to key management personnel (2022 and 2021: £nil).</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Deposits</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Placed (includes deposits of appointed key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Withdrawn (includes deposits of former key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(40)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(38)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(25)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Deposits placed by key management personnel attracted interest rates of up to 6.25 per cent (2022: 5.0 per cent; 2021: 1.0 per cent).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, the Group did not provide any guarantees in respect of key management personnel (2022 and 2021: none).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, transactions, arrangements and agreements entered into by the Group’s banking subsidiaries with directors and connected persons included amounts outstanding in respect of loans and credit card transactions of £23.4 thousand with five directors and no connected persons (2022: £2.0 thousand with two directors and no connected persons; 2021: £0.9 million with two directors and one connected person).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 47: Related party transactions</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Subsidiaries</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In accordance with IFRS 10 Consolidated Financial Statements, transactions and balances with subsidiaries have been eliminated on consolidation.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Pension funds</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group provides banking and some investment management services to certain of its pension funds. At 31 December 2023, customer deposits of £133 million (2022: £155 million) related to the Group’s pension funds. As disclosed in note 16, the Group’s main pension funds have entered into a longevity insurance arrangement that was structured as a pass-through involving Scottish Widows.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Collective investment vehicles</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group manages 129 (2022: 125) collective investment vehicles, such as Open-Ended Investment Companies (OEICs) and of these 68 (2022: 73) are consolidated. The Group invested £55 million (2022: £196 million) and redeemed £210 million (2022: £486 million) in the unconsolidated collective investment vehicles during the year and had investments, at fair value, of £1,448 million (2022: £1,491 million) at 31 December. The Group earned fees of £72 million from the unconsolidated collective investment vehicles during 2023 (2022: £80 million).</span></div><div style="margin-bottom:1pt"><span id="i6466a709590c42088214b566178f148b_483"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Joint ventures and associates</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023 there were loans and advances to customers of £47 million (2022: £21 million) outstanding and balances within customer deposits of £6 million (2022: £58 million) relating to joint ventures and associates.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">During the year the Group paid fees of £4 million (2022: £5 million) to its Schroders Personal Wealth joint venture and no payment was made (2022: £18 million) under the terms of agreements put in place on the establishment of the joint venture.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In addition to the above balances, the Group has a number of other associates held by its venture capital business that it accounts for at fair value through profit or loss. At 31 December 2023, these companies had total assets of £7,519 million (2022: £4,709 million), total liabilities of £5,927 million (2022: £5,557 million) and for the year ended 31 December 2023 had turnover of £3,381 million (2022: £4,196 million) and made a net loss of £293 million (2022: net loss of £228 million). In addition, the Group has provided £1,574 million (2022: £1,466 million) of financing to these companies on which it received £120 million (2022: £98 million) of interest income in the year.</span></div>
CY2023	ifrs-full	Disclosure Of Information About Key Management Personnel Explanatory DisclosureOfInformationAboutKeyManagementPersonnelExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below details, on an aggregated basis, key management personnel compensation:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Compensation</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Salaries and other short-term benefits</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Post-employment benefits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share-based payments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total compensation</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:41.403%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Share option plans</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Share plans</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">72</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">117 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Granted, including certain adjustments (includes entitlements of appointed key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exercised/lapsed (includes entitlements of former key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(44)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(62)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">55</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">72 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The tables below detail, on an aggregated basis, balances outstanding at the year end and related income and expense, together with information relating to other transactions between the Group and its key management personnel:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Loans</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Advanced (includes loans to appointed key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repayments (includes loans to former key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Deposits</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Placed (includes deposits of appointed key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Withdrawn (includes deposits of former key management personnel)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(40)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(38)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(25)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	lyg	Salaries And Other Shortterm Benefits SalariesAndOtherShorttermBenefits	16000000	gbp
CY2022	lyg	Salaries And Other Shortterm Benefits SalariesAndOtherShorttermBenefits	12000000	gbp
CY2021	lyg	Salaries And Other Shortterm Benefits SalariesAndOtherShorttermBenefits	10000000	gbp
CY2023	ifrs-full	Key Management Personnel Compensation Postemployment Benefits KeyManagementPersonnelCompensationPostemploymentBenefits	0	gbp
CY2022	ifrs-full	Key Management Personnel Compensation Postemployment Benefits KeyManagementPersonnelCompensationPostemploymentBenefits	0	gbp
CY2021	ifrs-full	Key Management Personnel Compensation Postemployment Benefits KeyManagementPersonnelCompensationPostemploymentBenefits	0	gbp
CY2023	ifrs-full	Key Management Personnel Compensation Sharebased Payment KeyManagementPersonnelCompensationSharebasedPayment	22000000	gbp
CY2022	ifrs-full	Key Management Personnel Compensation Sharebased Payment KeyManagementPersonnelCompensationSharebasedPayment	16000000	gbp
CY2021	ifrs-full	Key Management Personnel Compensation Sharebased Payment KeyManagementPersonnelCompensationSharebasedPayment	15000000	gbp
CY2023	ifrs-full	Key Management Personnel Compensation KeyManagementPersonnelCompensation	38000000	gbp
CY2022	ifrs-full	Key Management Personnel Compensation KeyManagementPersonnelCompensation	28000000	gbp
CY2021	ifrs-full	Key Management Personnel Compensation KeyManagementPersonnelCompensation	25000000	gbp
CY2023	lyg	Number Of Investment Vehicles NumberOfInvestmentVehicles	129
CY2022	lyg	Number Of Investment Vehicles NumberOfInvestmentVehicles	125
CY2023Q4	ifrs-full	Balances On Term Deposits From Customers BalancesOnTermDepositsFromCustomers	6000000	gbp
CY2022Q4	ifrs-full	Balances On Term Deposits From Customers BalancesOnTermDepositsFromCustomers	58000000	gbp
CY2023	ifrs-full	Disclosure Of Commitments And Contingent Liabilities Explanatory DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 48: Contingent liabilities, commitments and guarantees</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Contingent liabilities, commitments and guarantees arising from the banking business</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023 contingent liabilities, such as performance bonds and letters of credit, arising from the banking business were £2,849 million (2022: £2,986 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The contingent liabilities of the Group arise in the normal course of its banking business and it is not practicable to quantify their future financial effect. Total commitments and guarantees were £143,319 million (2022: £143,795 million), of which in respect of undrawn formal standby facilities, credit lines and other commitments to lend, £75,080 million (2022: £74,692 million) was irrevocable.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Capital commitments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Excluding commitments in respect of investment property (note 27), capital expenditure contracted but not provided for at 31 December 2023 amounted to £1,240 million (2022: £1,663 million) and related to assets to be leased to customers under operating leases. The Group’s management is confident that future net revenues and funding will be sufficient to cover these commitments.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Interchange fees</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">With respect to multi-lateral interchange fees (MIFs), the Group is not a party in the ongoing or threatened litigation which involves the card schemes Visa and Mastercard (as described below). However, the Group is a member/licensee of Visa and Mastercard and other card schemes. The litigation in question is as follows:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Litigation brought by or on behalf of retailers against both Visa and Mastercard in the English Courts, in which retailers are seeking damages on grounds that Visa and Mastercard’s MIFs breached competition law (this includes a judgment of the Supreme Court in June 2020 upholding the Court of Appeal’s finding in 2018 that certain historic interchange arrangements of Mastercard and Visa infringed competition law)</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Litigation brought on behalf of UK consumers in the English Courts against Mastercard</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Any impact on the Group of the litigation against Visa and Mastercard remains uncertain at this time, such that it is not practicable for the Group to provide an estimate of any potential financial effect. Insofar as Visa is required to pay damages to retailers for interchange fees set prior to June 2016, contractual arrangements to allocate liability have been agreed between various UK banks (including the Group) and Visa Inc, as part of Visa Inc’s acquisition of Visa Europe in 2016. These arrangements cap the maximum amount of liability to which the Group may be subject and this cap is set at the cash consideration received by the Group for the sale of its stake in Visa Europe to Visa Inc in 2016. In 2016, the Group received Visa preference shares as part of the consideration for the sale of its shares in Visa Europe. A release assessment is carried out by Visa on certain anniversaries of the sale (in line with the Visa Europe sale documentation) and as a result, some Visa preference shares may be converted into Visa Inc Class A common stock from time to time. Any such release and any subsequent sale of Visa common stock does not impact the contingent liability.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">LIBOR and other trading rates</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Certain Group companies, together with other panel banks, have been named as defendants in ongoing private lawsuits, including purported class action suits, in the US in connection with their roles as panel banks contributing to the setting of US Dollar, Japanese Yen and Sterling London Interbank Offered Rate and the Australian BBSW reference rate.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Certain Group companies are also named as defendants in (i) UK-based claims, and (ii) two Dutch class actions, raising LIBOR manipulation allegations. A number of claims against the Group in the UK relating to the alleged mis-sale of interest rate hedging products also include allegations of LIBOR manipulation.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">It is currently not possible to predict the scope and ultimate outcome on the Group of any private lawsuits or ongoing related challenges to the interpretation or validity of any of the Group’s contractual arrangements, including their timing and scale. As such, it is not practicable to provide an estimate of any potential financial effect.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 48: Contingent liabilities, commitments and guarantees</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Tax authorities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has an open matter in relation to a claim for group relief of losses incurred in its former Irish banking subsidiary, which ceased trading on 31 December 2010. In 2013, HMRC informed the Group that its interpretation of the UK rules means that the group relief is not available. In 2020, HMRC concluded its enquiry into the matter and issued a closure notice. The Group’s interpretation of the UK rules has not changed and hence it appealed to the First Tier Tax Tribunal, with a hearing having taken place in May 2023. If the final determination of the matter by the judicial process is that HMRC’s position is correct, management believes that this would result in an increase in current tax liabilities of approximately £920 million (including interest) and a reduction in the Group’s deferred tax asset of approximately £285 million. The Group, following conclusion of the hearing and having taken appropriate advice, does not consider that this is a case where additional tax will ultimately fall due.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">There are a number of other open matters on which the Group is in discussions with HMRC (including the tax treatment of certain costs arising from the divestment of TSB Banking Group plc), none of which is expected to have a material impact on the financial position of the Group.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">FCA investigation into the Group’s anti-money laundering control framework</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The FCA has opened an investigation into the Group’s compliance with domestic UK money laundering regulations and the FCA’s rules and Principles for Businesses, with a focus on aspects of its anti-money laundering control framework. The Group has been fully co-operating with the investigation. It is not currently possible to estimate the potential financial impact, if any, to the Group.</span></div><div style="margin-bottom:1pt"><span id="i80a360371be74fc6bc793777054ff642_219"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Other legal actions and regulatory matters</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In addition, in the course of its business the Group is subject to other complaints and threatened or actual legal proceedings (including class or group action claims) brought by or on behalf of current or former employees, customers (including their appointed representatives), investors or other third parties, as well as legal and regulatory reviews, enquiries and examinations, requests for information, audits, challenges, investigations and enforcement actions, which could relate to a number of issues. This includes matters in relation to compliance with applicable laws and regulations, such as those relating to prudential regulation, consumer protection, investment advice, business conduct, systems and controls, environmental, competition/anti-trust, tax, anti-bribery, anti-money laundering and sanctions, some of which may be beyond the Group’s control, both in the UK and overseas. Where material, such matters are periodically reassessed, with the assistance of external professional advisers where appropriate, to determine the likelihood of the Group incurring a liability. The Group does not currently expect the final outcome of any such case to have a material adverse effect on its financial position, operations or cash flows. Where there is a contingent liability related to an existing provision the relevant disclosures are included within note 38.</span></div>
CY2023Q4	ifrs-full	Estimated Financial Effect Of Contingent Liabilities EstimatedFinancialEffectOfContingentLiabilities	2849000000	gbp
CY2022Q4	ifrs-full	Estimated Financial Effect Of Contingent Liabilities EstimatedFinancialEffectOfContingentLiabilities	2986000000	gbp
CY2023Q4	ifrs-full	Gross Loan Commitments GrossLoanCommitments	143319000000	gbp
CY2022Q4	ifrs-full	Gross Loan Commitments GrossLoanCommitments	143795000000	gbp
CY2023Q4	ifrs-full	Capital Commitments CapitalCommitments	1240000000	gbp
CY2022Q4	ifrs-full	Capital Commitments CapitalCommitments	1663000000	gbp
CY2023	lyg	Number Of Class Actions NumberOfClassActions	2	classaction
CY2023	ifrs-full	Disclosure Of Information About Interests In Structured Entity Explanatory DisclosureOfInformationAboutInterestsInStructuredEntityExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 49: Structured entities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s interests in structured entities are both consolidated and unconsolidated. Details of the Group’s interests in consolidated structured entities are set out in note 29 for securitisations and covered bond vehicles, note 16 for structured entities associated with the Group’s pension schemes, and below in part (A) and (B). Details of the Group’s interests in unconsolidated structured entities are included below in part (C).</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(A) Asset-backed conduits</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In addition to the structured entities discussed in note 29, which are used for securitisation and covered bond programmes, the Group sponsors an active asset-backed conduit, Cancara, which invests in client receivables and debt securities. The total consolidated exposure of Cancara at 31 December 2023 was £2,808 million (2022: £2,357 million), comprising £1,521 million of loans and advances (2022: £1,464 million), £698 million of debt securities (2022: £850 million) and £589 million of financial assets at fair value through profit or loss (2022: £43 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">All lending assets and debt securities held by the Group in Cancara are restricted in use, as they are held by the collateral agent for the benefit of the commercial paper investors and the liquidity providers only. The Group provides liquidity facilities to Cancara under terms that are usual and customary for standard lending activities in the normal course of the Group’s banking activities. During 2023 there have continued to be planned drawdowns on certain liquidity facilities for balance sheet management purposes, supporting the programme to provide funding alongside the proceeds of the asset-backed commercial paper issuance. The Group could be asked to provide support under the contractual terms of these arrangements including, for example, if Cancara experienced a shortfall in external funding, which may occur in the event of market disruption.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The external assets in Cancara are consolidated in the Group’s financial statements.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(B) Consolidated collective investment vehicles and limited partnerships</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The assets of the Insurance business held in consolidated collective investment vehicles, such as Open-Ended Investment Companies and limited partnerships, are not directly available for use by the Group. However, the Group’s investment in the majority of these collective investment vehicles is readily realisable. As at 31 December 2023, the total carrying value of these consolidated collective investment vehicle assets and liabilities held by the Group was £58,351 million (2022: £54,749 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has no contractual arrangements (such as liquidity facilities) that would require it to provide financial or other support to the consolidated collective investment vehicles; the Group has not previously provided such support and has no current intentions to provide such support.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(C) Unconsolidated structured entities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group considers itself the sponsor of a structured entity where it is primarily involved in the design and establishment of the structured entity and further where the Group transfers assets to the structured entity, markets products associated with the structured entity in its own name and/or provides guarantees regarding the structured entity’s performance.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group sponsors a range of diverse investment funds and limited partnerships where it acts as the fund manager or equivalent decision-maker and markets the funds under one of the Group’s brands.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 49: Structured entities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table describes the types of structured entities that the Group does not consolidate but in which it holds an interest.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:18.259%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.632%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.885%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total assets of<br/>structured entities</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Type of entity</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Nature and purpose of structured entities</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Interest held by the Group</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£bn</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£bn</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Collective investment vehicles and limited partnerships</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">These vehicles are primarily financed by investments from investors in the vehicles and are matched by policyholder liabilities in the Insurance division.</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:5.67pt;text-indent:-5.67pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%;padding-left:3.15pt">Interests in units issued by the vehicles</span></div><div style="padding-left:5.67pt;text-indent:-5.67pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%;padding-left:3.15pt">Fees from management of vehicles</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,184</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,176 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securitisation vehicles</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">These vehicles issue asset-backed notes to investors and facilitate the management of the Group’s balance sheet.</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:5.67pt;text-indent:-5.67pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%;padding-left:3.15pt">Interest in notes issued by the vehicles</span></div><div style="padding-left:5.67pt;text-indent:-5.67pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%;padding-left:3.15pt">Fees for loan servicing</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table sets out an analysis of the carrying amount of interest held by the Group in the unconsolidated structured entities. The maximum exposure to loss is the carrying amounts of the assets held. </span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying amount</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Collective investment vehicles and limited partnerships</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">76,426</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68,913 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notes held in securitisation vehicles</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,127</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate derivatives provided to securitisation vehicles</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(17)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Recognised within financial assets at fair value through profit or loss.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">During the year the Group has not provided any non-contractual financial or other support to these entities and has no current intention of providing any non-contractual financial or other support in the future.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fee income earned from unconsolidated structured entities that the Group sponsors but does not have an interest in was £72 million (2022: £80 million) for collective investment vehicles and £nil (2022: £nil) for securitisation vehicles. The carrying amount of assets transferred to securitisation vehicles at the time of transfer was £5,625 million and the Group recognised a gain of £31 million on transfer.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Continuing involvement in financial assets that have been derecognised</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group has derecognised financial assets in their entirety following transactions with securitisation vehicles, as noted above. The continuing involvement largely arises from funding provided to the vehicles through the purchase of issued notes. The majority of these notes are recognised as debt securities held at amortised cost. The remaining notes held by the Group, together with interest rate derivatives transacted with the vehicles, are recognised at fair value through profit or loss. The carrying amount of these interests and the maximum exposure to loss is included in the table above. At 31 December 2023 the fair value of the retained notes was £4,142 million. The income from the Group’s interest in these structures for the year ended 31 December 2023 and cumulatively for the lifetime was £133 million.</span></div>
CY2023Q4	lyg	Assets And Liabilities Held In Consolidated Collective Investment Vehicles AssetsAndLiabilitiesHeldInConsolidatedCollectiveInvestmentVehicles	58351000000	gbp
CY2022Q4	lyg	Assets And Liabilities Held In Consolidated Collective Investment Vehicles AssetsAndLiabilitiesHeldInConsolidatedCollectiveInvestmentVehicles	54749000000	gbp
CY2023	ifrs-full	Disclosure Of Interests In Unconsolidated Structured Entities Explanatory DisclosureOfInterestsInUnconsolidatedStructuredEntitiesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table describes the types of structured entities that the Group does not consolidate but in which it holds an interest.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:18.259%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:30.632%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.885%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total assets of<br/>structured entities</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Type of entity</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Nature and purpose of structured entities</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Interest held by the Group</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£bn</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£bn</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Collective investment vehicles and limited partnerships</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">These vehicles are primarily financed by investments from investors in the vehicles and are matched by policyholder liabilities in the Insurance division.</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:5.67pt;text-indent:-5.67pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%;padding-left:3.15pt">Interests in units issued by the vehicles</span></div><div style="padding-left:5.67pt;text-indent:-5.67pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%;padding-left:3.15pt">Fees from management of vehicles</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,184</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,176 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Securitisation vehicles</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">These vehicles issue asset-backed notes to investors and facilitate the management of the Group’s balance sheet.</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:5.67pt;text-indent:-5.67pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%;padding-left:3.15pt">Interest in notes issued by the vehicles</span></div><div style="padding-left:5.67pt;text-indent:-5.67pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;letter-spacing:0.007em;line-height:120%;padding-left:3.15pt">Fees for loan servicing</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div>
CY2023	ifrs-full	Additional Information About Nature Of And Changes In Risks Associated With Interests In Structured Entities Explanatory AdditionalInformationAboutNatureOfAndChangesInRisksAssociatedWithInterestsInStructuredEntitiesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table sets out an analysis of the carrying amount of interest held by the Group in the unconsolidated structured entities. The maximum exposure to loss is the carrying amounts of the assets held. </span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying amount</span></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Collective investment vehicles and limited partnerships</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">76,426</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68,913 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notes held in securitisation vehicles</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,127</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest rate derivatives provided to securitisation vehicles</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(17)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Recognised within financial assets at fair value through profit or loss.</span></div>
CY2023	ifrs-full	Assets Transferred To Structured Entities At Time Of Transfer AssetsTransferredToStructuredEntitiesAtTimeOfTransfer	5625000000	gbp
CY2023	lyg	Gain Loss Recognised On Assets Transferred To Structured Entities At Time Of Transfer GainLossRecognisedOnAssetsTransferredToStructuredEntitiesAtTimeOfTransfer	31000000	gbp
CY2023	ifrs-full	Disclosure Of Financial Assets Transferred During Period Which Do Not Qualify For Derecognition Explanatory DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 50: Transfers of financial assets</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Transferred financial assets derecognised in their entirety with ongoing exposure</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Through asset securitisations, the Group has transferred financial assets which were derecognised in their entirety, with some continuing involvement. Further details are available in note 49.</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Transferred financial assets that continue to be recognised</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Details of transferred financial assets that continue to be recognised in full are as follows.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group enters into repurchase and securities lending transactions in the normal course of business that do not result in derecognition of the financial assets as substantially all of the risks and rewards, including credit, interest rate, prepayment and other price risks are retained by the Group. In all cases, the transferee has the right to sell or repledge the assets concerned.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As set out in note 29, included within financial assets measured at amortised cost are loans transferred under the Group’s securitisation and covered bond programmes. As the Group retains all or a majority of the risks and rewards associated with these loans, including credit, interest rate, prepayment and liquidity risk, they remain on the Group’s balance sheet. Assets transferred into the Group’s securitisation and covered bond programmes are not available to be used by the Group while the assets are within the programmes. However, the Group retains the right to remove loans from the covered bond programmes where they are in excess of the programme’s requirements. In addition, where the Group has retained some of the notes issued by securitisation and covered bond programmes, the Group has the ability to sell or pledge these retained notes.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 50: Transfers of financial assets</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below sets out the carrying values of the transferred assets and the associated liabilities. For repurchase and securities lending transactions, the associated liabilities represent the Group’s obligation to repurchase the transferred assets. For securitisation programmes, the associated liabilities represent the external notes in issue (note 29). The liabilities shown in the table below have recourse to the transferred assets.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:60.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Repurchase and securities lending transactions</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,716</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,990</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,370 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,483 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities held at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,189</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">173 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,928</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,526</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,803 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,990 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Securitisation programmes</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30,716</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,234</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29,384 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,806 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 The carrying value of associated liabilities excludes securitisation notes held by the Group of £20,150 million (31 December 2022: £22,343 million).</span></div>
CY2023	ifrs-full	Disclosure Of Offsetting Of Financial Assets And Financial Liabilities Explanatory DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 51: Offsetting of financial assets and liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following information relates to financial assets and liabilities which have been offset in the balance sheet and those which have not been offset but for which the Group has enforceable master netting agreements or collateral arrangements in place with counterparties.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Related amounts where <br/>set off in the balance<br/>sheet not permitted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Potential<br/>net amounts<br/>if offset<br/>of related<br/>amounts<br/>permitted<br/>£m</span></td></tr><tr style="height:41pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">amounts of </span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">assets and</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">liabilities</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Amount </span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">offset in </span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">the balance</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">sheet</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">3</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net amounts<br/>presented in<br/>the balance<br/>sheet<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Cash<br/>collateral<br/>received/<br/>pledged<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Non-cash<br/>collateral<br/>received/<br/>pledged<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Excluding reverse repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">185,905</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">185,905</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(946)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,448)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">182,511</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29,778</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12,365)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,413</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(75)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(17,226)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">112</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">215,683</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12,365)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203,318</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,021)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(19,674)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">182,623</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">61,820</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(39,464)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,356</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,361)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12,731)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,264</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,730)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,034</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">453,045</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,300)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(653)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,214)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">446,878</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">46,157</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7,386)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">71</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(38,581)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">261</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">525,321</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10,686)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514,635</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,312)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(40,795)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">470,528</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,979)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,613</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,194)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,959</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">472,036</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(640)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,516)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,214)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">467,666</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45,089</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(7,386)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">60</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(37,715)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">48</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Excluding repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30,422</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12,365)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18,057</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">102</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(18,043)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">116</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,279</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12,365)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24,914</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">102</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(18,043)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,973</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">62,273</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(42,124)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,149</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(4,146)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12,767)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,236</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 The Group enters into derivatives and repurchase and reverse repurchase agreements with various counterparties which are governed by industry standard master netting agreements. The Group holds and provides cash and securities collateral in respect of derivative transactions covered by these agreements. The right to set off balances under these master netting agreements or to set off cash and securities collateral only arises in the event of non-payment or default and, as a result, these arrangements do not qualify for offsetting under IAS 32.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Net of impairment allowances.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The amounts offset in the balance sheet as shown above mainly represent derivatives and repurchase agreements with central clearing houses which meet the criteria for offsetting under IAS 32.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The effects of over-collateralisation have not been taken into account in the above table.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 51: Offsetting of financial assets and liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr style="height:26pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Related amounts where <br/>set off in the balance<br/>sheet not permitted</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Potential<br/>net amounts<br/>if offset<br/>of related<br/>amounts<br/>permitted<br/>£m</span></td></tr><tr style="height:41pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">amounts of </span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">assets and</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">liabilities</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amount </span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">offset in </span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">the balance</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">sheet</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">3</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net amounts<br/>presented in<br/>the balance<br/>sheet<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash<br/>collateral<br/>received/<br/>pledged<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-cash<br/>collateral<br/>received/<br/>pledged<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Excluding reverse repurchase agreements</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">168,988 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">168,988 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,127)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167,861 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,064 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,283)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,781 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(87)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11,694)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">201,052 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,283)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180,769 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(87)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12,821)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167,861 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">76,437 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(51,684)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,951)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(15,839)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,963 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,823)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,809 </span></td><td style="background-color:#ffffff;border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">458,229 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,330)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(907)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,171)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">451,821 </span></td><td style="background-color:#ffffff;border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">55,675 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10,810)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(44,865)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">534,462 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14,140)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,322 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,730)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(47,036)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">469,556 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,202)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,952 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,169)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,097 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">476,255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(924)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,869)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,171)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">471,291 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59,406 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10,810)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(48,596)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Excluding repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,718 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,718 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,718 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31,320 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,283)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11,037)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38,038 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,283)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,755 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(11,037)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,718 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">78,132 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(54,090)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,042 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,731)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14,490)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,821 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 The Group enters into derivatives and repurchase and reverse repurchase agreements with various counterparties which are governed by industry standard master netting agreements. The Group holds and provides cash and securities collateral in respect of derivative transactions covered by these agreements. The right to set off balances under these master netting agreements or to set off cash and securities collateral only arises in the event of non-payment or default and, as a result, these arrangements do not qualify for offsetting under IAS 32.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Net of impairment allowances.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The amounts offset in the balance sheet as shown above mainly represent derivatives and repurchase agreements with central clearing houses which meet the criteria for offsetting under IAS 32.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The effects of over-collateralisation have not been taken into account in the above table.</span></div>
CY2023	ifrs-full	Disclosure Of Financial Risk Management Explanatory DisclosureOfFinancialRiskManagementExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As a bancassurer, financial instruments are fundamental to the Group’s activities and, as a consequence, the risks associated with financial instruments represent a significant component of the risks faced by the Group.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The primary risks affecting the Group through its use of financial instruments are: market risk, which includes interest rate risk and foreign exchange risk; credit risk; liquidity risk; capital risk; and insurance risk. The following disclosures provide quantitative and qualitative information about the Group’s exposure to these risks.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Market risk</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(A) Interest rate risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Interest rate risk arises from the different repricing characteristics of the Group’s assets and liabilities. Liabilities are generally either insensitive to interest rate movements, for example interest free or very low interest customer deposits, or are sensitive to interest rate changes but bear rates which may be varied at the Group’s discretion and that for competitive reasons generally reflect changes in the UK Bank Rate, set by the Bank of England. The rates on the remaining liabilities are contractually fixed for their term to maturity.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Many banking assets are sensitive to interest rate movements; there is a large volume of managed rate assets such as variable rate mortgages which may be considered as a natural offset to the interest rate risk arising from the managed rate liabilities. However, a significant proportion of the Group’s lending assets, for example many personal loans and mortgages, bear interest rates which are contractually fixed. Interest rate sensitivity analysis relating to the Group’s banking activities is set out in the tables marked audited on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">page </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%"><a href="#i5053514a6de542098ae3cc356eee036e_1969" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">85</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s risk management policy is to optimise reward while managing its market risk exposures within the risk appetite defined by the Board. The largest residual risk exposure arises from balances that are deemed to be insensitive to changes in market rates (including current accounts, a portion of variable rate deposits and investable equity), and is managed through the Group’s structural hedge. The structural hedge consists of longer-term fixed rate assets or interest rate swaps and the amount and duration of the hedging activity is reviewed regularly by the Group Asset and Liability Committee.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group establishes hedge accounting relationships for interest rate risk components using cash flow hedges and fair value hedges. The Group is exposed to cash flow interest rate risk on its variable rate loans and deposits together with its floating rate subordinated debt. The derivatives used to manage the structural hedge may be designated into cash flow hedges to manage income statement volatility. The economic items related to the structural hedge, for example current accounts, are not eligible hedged items under IAS 39 for inclusion into accounting hedge relationships. The Group is exposed to fair value interest rate risk on its fixed rate customer loans, its fixed rate customer deposits and the majority of its subordinated debt, and to cash flow interest rate risk on its variable rate loans and deposits together with its floating rate subordinated debt. The Group applies netting between similar risks before applying hedge accounting.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Hedge ineffectiveness arises during the management of interest rate risk due to residual unhedged risk. Sources of ineffectiveness, which the Group may decide to not fully mitigate, can include basis differences, timing differences and notional amount differences. The effectiveness of accounting hedge relationships is assessed between the hedging derivatives and the documented hedged item, which can differ to the underlying economically hedged item.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023 the aggregate notional principal of interest rate and other swaps (predominantly interest rate) designated as fair value hedges was £153,639 million (2022: £152,662 million) with a net fair value liability of £345 million (2022: liability of £493 million) (note 22). The losses on the hedging instruments were £2,663 million (2022: gains of £1,284 million). The gains on the hedged items attributable to the hedged risk were £2,396 million (2022: losses of £1,325 million). The gains and losses relating to the fair value hedges are recorded in net trading income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The notional principal of the interest rate swaps designated as cash flow hedges at 31 December 2023 was £463,660 million (2022: £249,703 million) with a net fair value asset of £1 million (2022: liability of £2 million) (note 22). In 2023, ineffectiveness recognised in the income statement that arises from cash flow hedges was a gain of £19 million (2022: loss of £10 million).</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Interest rate benchmark reform</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Following the completion of industry events, including the two London Clearing House USD derivatives transition events in the second quarter of the year, together with bilateral customer consents, the Group has transitioned materially all of its LIBOR linked products. We continue to work with customers to transition a small number of remaining contracts that were not subject to the above events and either have a future dated transition trigger or have defaulted to the relevant synthetic LIBOR benchmark in the interim. Each remaining contract has a known path to transition which is not expected to have a material impact on the Group’s financial statements.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">While the volume of outstanding transactions impacted by IBOR benchmark reforms continues to reduce, the Group does not expect material changes to its risk management approach.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(B) Foreign exchange risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The corporate and retail businesses incur foreign exchange risk in the course of providing services to their customers. All non-structural foreign exchange exposures in the non-trading book are managed centrally within allocated exposure limits. Trading book exposures in the authorised trading centres are allocated exposure limits. The limits are monitored daily by the local centres and reported to the market and liquidity risk function in London. Associated VaR and the closing, average, maximum and minimum are disclosed in the tables marked audited on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">page </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%"><a href="#i5053514a6de542098ae3cc356eee036e_3045" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">87</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group manages foreign currency accounting exposure via cash flow hedge accounting, utilising currency swaps and forward foreign exchange trades.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Risk arises from the Group’s investments in its overseas operations. The Group’s structural foreign currency exposure is represented by the net asset value of the foreign currency equity and subordinated debt investments in its subsidiaries and branches. Gains or losses on structural foreign currency exposures are taken to reserves. The Group’s main overseas operations are in the Americas and Europe.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Details of the Group’s structural foreign currency exposures are as follows:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:41.403%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.365%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="9" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Foreign currency of Group operations</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Euro<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">US Dollar<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other<br/>non-Sterling<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Euro<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">US Dollar<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>non-Sterling<br/>£m</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Exposure</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,471</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">204</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,843 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">209 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Credit risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s credit risk exposure arises in respect of the instruments below and predominantly in the United Kingdom. Credit risk appetite is set at Board level and is described and reported through a suite of metrics devised from a combination of accounting and credit portfolio performance measures, which include the use of various credit risk rating systems as inputs and assess credit risk at a counterparty level using three components: (i) the probability of default by the counterparty on its contractual obligations; (ii) the current exposures to the counterparty and their likely future development, from which the Group derives the exposure at default; and (iii) the likely loss ratio on the defaulted obligations, the loss given default. The Group uses a range of approaches to mitigate credit risk, including internal control policies, obtaining collateral, using master netting agreements and other credit risk transfers, such as asset sales and credit derivatives based transactions.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span id="ia1efb5b3ba4c4a8ebac54eacfbeb8794_1442"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(A) Maximum credit exposure</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The maximum credit risk exposure of the Group in the event of other parties failing to perform their obligations is detailed below. No account is taken of any collateral held and the maximum exposure to loss, which includes amounts held to cover unit-linked and With-Profits Funds liabilities, is considered to be the balance sheet carrying amount or, for non-derivative off-balance sheet transactions and financial guarantees, their contractual nominal amounts.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Maximum<br/>exposure<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Offset</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net<br/>exposure<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maximum<br/>exposure<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Offset</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net<br/>exposure<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3,4</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84,583</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84,583</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,887 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,887 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,356</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,862)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,494</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12,330)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,423 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost, net</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks, net</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers, net</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,214)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">447,531</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,171)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">452,728 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements, net</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities, net</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514,635</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,214)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">512,421</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,322 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,171)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">518,151 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,360</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,360</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,871 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,871 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contract assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">442</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">442</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Off-balance sheet items:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acceptances and endorsements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">191</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">191</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">58 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other items serving as direct credit substitutes</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">286</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">286</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">781 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">781 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Performance bonds, including letters of credit, and other transaction-related contingencies</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,372</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,372</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,147 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,147 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Irrevocable commitments and guarantees</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,080</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,080</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74,692 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74,692 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77,929</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77,929</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77,678 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77,678 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">727,305</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12,076)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">715,229</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">719,883 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14,501)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">705,382 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Offset items comprise deposit amounts available for offset and amounts available for offset under master netting arrangements that do not meet the criteria under IAS 32 to enable loans and advances and derivative assets respectively to be presented net of these balances in the financial statements.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Excluding equity shares.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Includes assets within the Group’s unit-linked funds for which credit risk is borne by the policyholders and assets within the Group’s With-Profits Funds for which credit risk is largely borne by the policyholders. Consequently, the Group has no significant exposure to credit risk for such assets which back related contract liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:120%">.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 Amounts shown net of related impairment allowances.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span id="ia1efb5b3ba4c4a8ebac54eacfbeb8794_1447"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(B) Concentrations of exposure</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s management of concentration risk includes portfolio controls on certain industries, sectors and products to reflect risk appetite as well as individual, customer and bank limit risk tolerances. Credit policies and appetite statements are aligned to the Group’s risk appetite and restrict exposure to higher risk countries and potentially vulnerable sectors and asset classes. Exposures are monitored to prevent both an excessive concentration of risk and single name concentrations. The Group’s largest credit limits are regularly monitored by the Board Risk Committee and reported in accordance with regulatory requirements. As part of its credit risk policy, the Group considers sustainability risk (which incorporates environmental (including climate), social and governance) in the assessment of Commercial Banking facilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023 the most significant concentrations of exposure were in mortgages.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Agriculture, forestry and fishing</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,038</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,447 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Construction</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,878</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,066 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Energy and water supply</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,468</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,552 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial, business and other services</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35,112</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,666 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lease financing</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,374</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,795 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Manufacturing</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,619 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Personal:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgages</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">323,627</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">323,923 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25,342</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Postal and telecommunications</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,654</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,526 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property companies</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,904</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21,499 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transport, distribution and hotels</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,044</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,170 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total loans and advances to customers before allowance for impairment losses</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">453,462</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">459,417 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Allowance for impairment losses (note 24)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,717)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,518)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total loans and advances to customers</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes both UK and overseas mortgage balances.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s operations are predominantly UK based and as a result an analysis of credit risk exposures by geographical region is not provided.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(C) Credit quality of assets</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Cash and balances at central banks</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Significantly all of the Group’s cash and balances at central banks of £78,110 million (2022: £91,388 million) are due from the Bank of England, the Federal Reserve Bank of New York or the Deutsche Bundesbank.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Debt securities, treasury and other bills, and contracts held with reinsurers at fair value through profit or loss</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Substantially all of the loans and advances to customers, loans and advances to banks and reverse repurchase agreements recognised at fair value through profit or loss have an investment grade rating. The credit quality of the Group’s debt securities, treasury and other bills, and contracts held with reinsurers held at fair value through profit or loss is set out below:</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">grade</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">grade</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading assets</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,596</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,596</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,185 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,185 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">529</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">228 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total trading assets (excluding loans and advances to customers and reverse repurchase agreements)</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,144</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,202</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,422 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,434 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial assets mandatorily at fair value through profit or loss:</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,009</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,009</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,871 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,872 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other public sector securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,303</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,310</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,510 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,516 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Bank and building society certificates of deposit</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,504</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,504</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,129 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,133 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">506</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">513</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">399 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">399 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,076</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,049</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,125</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,932 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,761 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,693 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35,398</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,063</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,461</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,841 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,772 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35,613 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts held with reinsurers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,336</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,424</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,822 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">84 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,906 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total other financial assets mandatorily held at fair value through profit or loss (excluding loans and advances and equity shares)</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">46,785</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,151</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">49,936</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43,725 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,856 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46,581 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Credit ratings equal to or better than ‘BBB’.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other comprises sub-investment grade (2023: £1,202 million; 2022: £1,256 million) and not rated (2023: £2,007 million; 2022: £1,612 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Credit risk in respect of trading and other financial assets at fair value through profit or loss held within the Group’s unit-linked funds is borne by the policyholders and credit risk in respect of With-Profits funds is largely borne by the policyholders. Consequently, the Group has no significant exposure to credit risk for such assets which back those contract liabilities.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Loans and advances banks</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Significantly all of the Group’s loans and advances to banks are assessed as Stage 1.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Loans and advances to customers</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The analysis of lending has been prepared based on the division in which the asset is held; with the business segment in which the exposure is recorded reflected in the ratings system applied. The internal credit ratings systems used by the Group differ between Retail and Commercial, reflecting the characteristics of these exposures and the way that they are managed internally; these credit ratings are set out below. All probabilities of default (PDs) include forward-looking information and are based on 12-month values, with the exception of credit-impaired.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:23.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.790%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.692%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.063%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.792%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Commercial</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Quality classification</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">IFRS 9 PD range</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Quality classification</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">IFRS 9 PD range</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.00–0.80%</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.000–0.100%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.81–4.50%</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.101–0.500%</span></div></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.51–14.00%</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.501–3.000%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14.01–20.00%</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.001–20.000%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20.01–99.99%</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20.001–99.999%</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100.00%</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">100.000%</span></div></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Stage 3 assets include balances of £364 million (2022: £727 million) (with outstanding amounts due of £1,167 million (2022: £1,360 million)) which have been subject to a partial write-off and where the Group continues to enforce recovery action.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Stage 2 and Stage 3 assets with a carrying amount of £180 million (2022: £126 million) were modified during the year. No material gain or loss was recognised by the Group.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As at 31 December 2023 assets that had been previously modified while classified as Stage 2 or Stage 3 and were classified as Stage 1 amounted to £5 million (2022: £5,279 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;margin-top:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:25.391%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.896%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="27" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Drawn exposures</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="27" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Allowance for expected credit losses</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross drawn exposures and expected credit loss allowance</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK mortgages</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">226,740</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,137</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">230,877</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">123</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">160</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29,637</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,037</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">56,674</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">151</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">189</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">219</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,713</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,932</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">590</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">590</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,056</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,056</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">136</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">136</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,337</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,854</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,191</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">357</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">570</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">256,596</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,533</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,337</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,854</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">307,320</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">161</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">374</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">357</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,105</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – credit cards</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,906</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,911</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,159</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,248</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,407</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">91</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">65</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">156</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,548</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,069</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,617</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">67</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">145</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">212</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">220</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">232</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">50</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">366</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">366</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">141</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">141</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">130</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">130</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,625</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,908</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,817</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">168</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">401</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">130</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">699</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – loans and overdrafts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">638</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">639</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,152</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">250</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,402</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">83</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">101</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,256</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">473</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,729</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">50</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">94</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">43</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">135</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">178</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">328</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">342</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">113</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">115</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">196</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">196</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">118</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">118</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,103</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,187</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">196</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,486</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">134</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">208</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">118</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">460</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK Motor Finance</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,979</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">569</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,548</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">142</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">154</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,791</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">998</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,789</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">41</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">769</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">228</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">997</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">169</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">171</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">112</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">112</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,541</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,027</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">112</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,680</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">186</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">91</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">340</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,613</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">240</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,853</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,197</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">186</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,383</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">86</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">86</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">95</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">144</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">144</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,898</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">525</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">144</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,567</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Total Retail</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">305,763</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45,180</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,073</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,854</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">363,870</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">668</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,095</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">715</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,691</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,100</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,107</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30,534</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">124</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30,658</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31,210</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,927</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">34,137</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">133</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">59</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">192</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,719</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,115</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,834</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">65</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">232</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">297</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">814</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">825</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">81</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">81</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,068</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,068</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">418</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">418</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">79,574</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,987</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,068</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">89,629</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">232</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">372</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">418</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Other</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(43)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(37)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total loans and advances to customers</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">385,294</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">53,167</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,147</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,854</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">453,462</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">900</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,467</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,137</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,717</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Drawn exposures include centralised fair value hedge accounting adjustments.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;margin-top:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:25.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.459%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="27" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Drawn exposures</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="27" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allowance for expected credit losses</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross drawn exposures and expected credit loss allowance</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK mortgages</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">250,937 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,844 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">275,781 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">81 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">261 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,557 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,945 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">140 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">150 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,443 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,466 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">72 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">72 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">734 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">734 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,374 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,374 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">136 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">136 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,416 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,622 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,038 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">311 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">564 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">257,517 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41,783 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,416 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,622 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">312,338 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">552 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">311 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,207 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – credit cards</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,587 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,592 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,497 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,441 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,938 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">66 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">70 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">136 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,332 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,578 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">167 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">214 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">368 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">368 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">144 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">144 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,416 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,287 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,992 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">120 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">433 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">666 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – loans and overdrafts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">659 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">660 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,902 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,353 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">114 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">657 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,381 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">69 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">152 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">199 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">252 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">50 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">405 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">424 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">163 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">166 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">247 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">247 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">126 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">126 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,357 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,713 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,317 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">169 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">315 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">126 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">610 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK Motor Finance</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,969 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">743 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,712 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">66 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,778 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">930 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,708 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">425 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">325 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">750 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">99 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">148 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">150 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">81 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">81 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,174 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,245 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">154 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,573 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">93 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">81 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">250 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,588 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">328 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,916 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,311 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">213 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">98 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">157 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">157 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,990 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">643 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">157 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,790 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Total Retail</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">303,454 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">49,671 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,263 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,622 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">367,010 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">486 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,394 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">683 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,816 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,573 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,606 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,070 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">512 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,582 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31,591 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,627 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,218 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">128 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">221 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,275 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,508 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,783 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">244 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">291 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">813 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">813 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,070 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,070 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">80,509 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,493 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,371 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">95,373 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">214 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">414 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,070 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,698 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Other</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,972)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,966)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total loans and advances to customers</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">380,991 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">61,164 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,640 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,622 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">459,417 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">700 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,808 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,757 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,518 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Drawn exposures include centralised fair value hedge accounting adjustments.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Average PD grade</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below shows the average PD for the major portfolios used in the calculation of ECL and therefore Stage 2 average PD reflects the lifetime value. These reflect the forward-looking view under the Group’s base case scenario prior to the application of MES and post-model adjustments which further impact ECL.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:60.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 1<br/>average PD<br/>%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 2<br/>average PD<br/>%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1<br/>average PD<br/>%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2<br/>average PD<br/>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.57</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17.60</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15.48 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23.02</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.06 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20.89 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and overdrafts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.75</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29.66</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.36 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29.75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Motor Finance</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.61</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.00</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.71 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11.24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Commercial Banking</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.92</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22.55</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.88 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18.50 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Reverse repurchase agreement held at amortised cost</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">All of the Group’s reverse repurchase agreements held at amortised cost are assessed as Stage 1.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Debt securities held at amortised cost</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023 £15,240 million of gross debt securities held at amortised cost were investment grade (credit ratings equal to or better than ‘BBB’) (2022: £9,919 million), £20 million were sub-investment grade (2022: £nil) and £106 million not rated (2022: £16 million).</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Financial assets at fair value through other comprehensive income (excluding equity shares)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023 £27,267 million of financial assets at fair value through other comprehensive income (excluding equity shares) were investment grade (credit ratings equal to or better than ‘BBB’) (2022: £22,761 million), £80 million were sub-investment grade (2022: £71 million) and £13 million not rated (2022: £39 million).</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Derivative assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">An analysis of derivative assets is given in note 22. The Group reduces exposure to credit risk by using master netting agreements and by obtaining collateral in the form of cash or highly liquid securities.</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">grade</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">grade</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading and other</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21,297</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">956</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,253</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,326 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,352 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,678 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedging</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">99</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">103</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">960</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,356</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,379 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,374 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,753 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Credit ratings equal to or better than ‘BBB’.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other comprises sub-investment grade (2023: £855 million; 2022: £1,031 million) and not rated (2023: £105 million; 2022: £343 million).</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Financial guarantees and irrevocable loan commitments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial guarantees represent undertakings that the Group will meet a customer’s obligation to third parties if the customer fails to do so. Commitments to extend credit represent unused portions of authorisations to extend credit in the form of loans, guarantees or letters of credit. The Group is theoretically exposed to loss in an amount equal to the total guarantees or unused commitments, however, the likely amount of loss is expected to be significantly less. Most commitments to extend credit are contingent upon customers maintaining specific credit standards.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:25.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.459%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="27" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Undrawn exposures</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="27" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Allowance for expected credit losses</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross undrawn exposures and expected credit loss allowance</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK mortgages</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,207</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">36</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,243</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">456</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">190</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">646</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">83</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,668</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">284</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,035</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – credit cards</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39,857</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">39,881</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,522</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,079</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,601</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">67</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">606</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">322</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">928</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">40</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">69</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">69</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">40</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">40</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">54,987</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,534</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">40</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">57,561</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">45</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">111</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – loans and overdrafts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,354</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,638</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">239</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,877</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">223</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">122</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">345</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">49</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">49</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,219</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">439</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,673</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">36</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">55</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK Motor Finance</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">274</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">274</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">959</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">959</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">250</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">250</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,486</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,486</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">544</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">544</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">267</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">267</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">811</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">811</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Total Retail</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">76,171</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,257</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">79,566</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">96</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">83</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">179</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,250</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,250</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31,282</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31,288</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,000</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,537</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,537</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">923</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,169</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,092</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">60</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">33</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">64</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">64</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">60,455</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">64</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63,264</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">64</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">143</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">483</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">489</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">137,109</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,002</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">150</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">143,319</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">160</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">160</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">322</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:25.828%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.886%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.450%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.459%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="27" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Undrawn exposures</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="27" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allowance for expected credit losses</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross undrawn exposures and expected credit loss allowance</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK mortgages</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,003 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">159 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,162 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">84 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,086 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,444 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – credit cards</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,384 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,414 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,355 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,975 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,330 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">580 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">422 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,002 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">76 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">76 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54,319 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,549 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">45 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">57,913 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">53 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">97 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – loans and overdrafts</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,174 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,176 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,618 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">386 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,004 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">159 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">412 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">61 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">61 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,051 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">644 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,712 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK Motor Finance</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">318 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">318 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,259 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,259 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">347 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">348 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,924 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,925 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Retail – other</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">702 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">702 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">198 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">198 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">900 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">900 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Total Retail</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">79,280 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,468 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">79 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">83,894 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">75 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">97 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">172 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,047 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,047 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29,141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">135 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29,276 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,808 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,647 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,455 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">61 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">779 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">800 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,579 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">85 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">85 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">56,775 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,667 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59,490 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">88 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">151 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">400 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">411 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">136,455 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,135 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">138 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">67 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">143,795 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">134 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">185 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">323 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span id="ia1efb5b3ba4c4a8ebac54eacfbeb8794_1438"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(D) Collateral held as security for financial assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The principal types of collateral accepted by the Group include: residential and commercial properties; charges over business assets such as premises, inventory and accounts receivable; financial instruments; cash; and guarantees from third parties. The terms and conditions associated with the use of the collateral are varied and are dependent on both the type of agreement and the counterparty. The Group holds collateral against loans and advances and irrevocable loan commitments; qualitative and, where appropriate, quantitative information is provided in respect of this collateral below. Collateral held as security for financial assets at fair value through profit or loss and for derivative assets is also shown below.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group holds collateral in respect of loans and advances to customers and reverse repurchase agreements as set out below. The Group does not hold collateral against debt securities which are classified as financial assets held at amortised cost.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Loans and advances to customers</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Retail lending</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">UK mortgages</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">An analysis by loan-to-value ratio of the Group’s UK residential mortgage lending is provided below. The value of collateral used in determining the loan-to-value ratios has been estimated based upon the last actual valuation, adjusted to take into account subsequent movements in house prices. The market takes into account many factors, including environmental considerations such as flood risk and energy efficient additions, in arriving at the value of a home.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In some circumstances, where the discounted value of the estimated net proceeds from the liquidation of collateral (i.e. net of costs, expected haircuts and anticipated changes in the value of the collateral to the point of sale) is greater than the estimated exposure at default, no credit losses are expected and no ECL allowance is recognised.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:21.025%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.622%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Gross drawn exposures</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Allowance for expected credit losses</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Less than 70 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">193,235</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">28,754</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,882</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,168</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">233,039</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">57</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">208</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">226</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">118</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">609</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">70 per cent to 80 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">36,413</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,506</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">290</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">333</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">41,542</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">61</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">26</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">199</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">80 per cent to 90 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,949</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,821</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">142</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23,999</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">48</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">53</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">148</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90 per cent to 100 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,981</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,389</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">30</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">91</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,491</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">76</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Greater than 100 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">63</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">48</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">120</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">249</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">73</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">256,596</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,533</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,337</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,854</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">307,320</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">161</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">374</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">357</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,105</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Less than 70 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">210,457 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,845 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">255,668 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">51 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">330 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">210 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">117 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">708 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">70 per cent to 80 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31,788 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,264 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">170 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">359 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,581 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">124 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">55 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">80 per cent to 90 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,942 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,604 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">149 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,743 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">59 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">90 per cent to 100 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,319 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">606 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,051 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Greater than 100 per cent</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">104 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">156 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">295 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">97 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">257,517 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41,783 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,416 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,622 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">312,338 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">552 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">311 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">253 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,207 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The energy performance certificate (EPC) profile of the security associated with the Group’s UK mortgage portfolio is shown below:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:29.467%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.614%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.621%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">EPC profile</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">A<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">B<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">C<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">D<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">E<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">F<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">G<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Unrated properties<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">971</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">41,250</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">64,466</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">95,958</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">34,327</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,663</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,465</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">62,220</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">307,320</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></div></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">731 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,075 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">60,086 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">93,010 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35,015 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,990 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,519 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77,912 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">312,338 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The above data is sourced using the latest available government EPC information as at the relevant balance sheet date. The Group has no EPC data available for 20.2 per cent (2022: 25.0 per cent) of the UK mortgage portfolio; this portion is classified as unrated properties.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">EPC ratings are not considered to be a material credit risk factor, and do not form part of the Group’s credit risk calculations. </span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Other</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The majority of other retail lending is unsecured. At 31 December 2023, Stage 3 other retail lending amounted to £378 million, net of an impairment allowance of £358 million (2022: £475 million, net of an impairment allowance of £372 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Stage 1 and Stage 2 other retail lending amounted to £55,814 million (2022: £53,825 million). Lending decisions are predominantly based on an obligor’s ability to repay rather than reliance on the disposal of any security provided. Where the lending is secured, collateral values are rigorously assessed at the time of loan origination and are thereafter monitored in accordance with business unit credit policy.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group’s credit risk disclosures for unimpaired other retail lending show assets gross of collateral and therefore disclose the maximum loss exposure. The Group believes that this approach is appropriate.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Commercial lending</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Stage 1 and Stage 2 secured lending</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For Stage 1 and Stage 2 secured commercial lending, the Group reports assets gross of collateral and therefore discloses the maximum loss exposure.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Stage 1 and Stage 2 secured commercial lending is predominantly managed on a cash flow basis. On occasion, it may include an assessment of underlying collateral, although, for Stage 3 lending, this will not always involve assessing it on a fair value basis. No aggregated collateral information for the entire unimpaired secured commercial lending portfolio is provided to key management personnel.</span></div><div style="margin-bottom:1pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:8pt;font-style:italic;font-weight:700;letter-spacing:-0.015em;line-height:118%">Stage 3 secured lending</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The value of collateral is re-evaluated and its legal soundness reassessed if there is observable evidence of distress of the borrower; this evaluation is used to determine potential loss allowances and management’s strategy to try to either repair the business or recover the debt.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, Stage 3 secured commercial lending amounted to £507 million, net of an impairment allowance of £133 million (2022: £410 million, net of an impairment allowance of £160 million). The fair value of the collateral held in respect of impaired secured commercial lending was £608 million (2022: £484 million). In determining the fair value of collateral, no specific amounts have been attributed to the costs of realisation. For the purposes of determining the total collateral held by the Group in respect of impaired secured commercial lending, the value of collateral for each loan has been limited to the principal amount of the outstanding advance in order to eliminate the effects of any over-collateralisation and to provide a clearer representation of the Group’s exposure.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Stage 3 secured commercial lending and associated collateral relates to lending to property companies and to customers in the financial, business and other services; transport, distribution and hotels; and construction industries.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Reverse repurchase agreements</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">There were reverse repurchase agreements which are accounted for as collateralised loans with a carrying value of £38,771 million (2022: £44,865 million), against which the Group held collateral with a fair value of £38,510 million, capped at the reverse repurchase agreement carrying value (2022: £33,715 million). These transactions were generally conducted under terms that are usual and customary for standard secured lending activities.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Financial assets at fair value through profit or loss (excluding equity shares)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Included in financial assets at fair value through profit or loss are reverse repurchase agreements treated as collateralised loans with a carrying value of £17,413 million (2022: £11,781 million). Collateral is held with a fair value of £17,301 million, capped at the reverse repurchase agreement carrying value (2022: £9,598 million), all of which the Group is able to repledge. At 31 December 2023, £9,926 million had been repledged (2022: £5,232 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In addition, securities held as collateral in the form of stock borrowed amounted to £17,280 million (2022: £26,368 million). Of this amount, £9,363 million (2022: £14,375 million) had been resold or repledged as collateral for the Group’s own transactions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">These transactions were generally conducted under terms that are usual and customary for standard secured lending activities.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Derivative assets, after offsetting of amounts under master netting arrangements</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group reduces exposure to credit risk by using master netting agreements and by obtaining collateral in the form of cash or highly liquid securities. In respect of the net derivative assets after offsetting of amounts under master netting arrangements of £12,494 million (2022: £12,423 million), cash collateral of £3,361 million (2022: £3,951 million) was held.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Irrevocable loan commitments and other credit-related contingencies</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">At 31 December 2023, the Group held irrevocable loan commitments and other credit-related contingencies of £77,929 million (2022: £77,678 million). Collateral is held as security, in the event that lending is drawn down, on £13,036 million (2022: £16,442 million) of these balances.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Collateral repossessed</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">During the year, £229 million of collateral was repossessed (2022: £219 million), consisting primarily of residential property.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In respect of retail portfolios, the Group does not take physical possession of properties or other assets held as collateral and uses external agents to realise the value as soon as practicable, generally at auction, to settle indebtedness. Any surplus funds are returned to the borrower or are otherwise dealt with in accordance with appropriate insolvency regulations. In certain circumstances the Group takes physical possession of assets held as collateral against commercial lending. In such cases, the assets are carried on the Group’s balance sheet and are classified according to the Group’s accounting policies.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(E) Collateral pledged as security</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Group pledges assets primarily for repurchase agreements and securities lending transactions which are generally conducted under terms that are usual and customary for standard securitised borrowing contracts.</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Repurchase transactions</span></div><div style="margin-bottom:1pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Amortised cost</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">There are balances arising from repurchase transactions of £37,703 million (2022: £48,596 million), which include amounts due under the Bank of England’s Term Funding Scheme with additional incentives for SMEs (TFSME). The fair value of the collateral provided under these agreements at 31 December 2023 was £37,655 million, capped at the repurchase agreement carrying value (2022: £53,827 million including over collaterisation).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#008640;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:400;letter-spacing:-0.015em;line-height:118%">Financial liabilities at fair value through profit or loss</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The fair value of collateral pledged in respect of repurchase transactions, accounted for as secured borrowing, where the secured party is permitted by contract or custom to repledge was £17,941 million, capped at the repurchase agreement carrying value (2022: £10,427 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Securities lending transactions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following on-balance sheet financial assets have been lent to counterparties under securities lending transactions:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">633</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,463 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,245</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,429 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,878</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,892 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt"><span style="color:#0f7f40;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Securitisations and covered bonds</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">In addition to the assets detailed above, the Group also holds assets that are encumbered through the Group’s asset-backed conduits and its securitisation and covered bond programmes. Further details of these assets are provided in note 29.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span id="ia1efb5b3ba4c4a8ebac54eacfbeb8794_1441"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Liquidity risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Liquidity risk is defined as the risk that the Group has insufficient financial resources to meet its commitments as they fall due, or can only secure them at excessive cost. Liquidity risk is managed through a series of measures, tests and reports that are primarily based on contractual maturity. The Group carries out monthly stress testing of its liquidity position against a range of scenarios, including those prescribed by the PRA. The Group’s liquidity risk appetite is also calibrated against a number of stressed liquidity metrics.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below analyses assets and liabilities of the Group, other than liabilities arising from insurance and investment contracts, into relevant maturity groupings based on the remaining contractual period at the balance sheet date; balances with no fixed maturity are included in the over 5 years category. Liabilities arising from insurance and investment contracts are analysed on a behavioural basis. Certain balances, included in the table below on the basis of their residual maturity, are repayable on demand upon payment of a penalty.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(A) Maturities of assets and liabilities</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:32.670%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 6<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">6 to 9<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">9 to 12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 2<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">78,110</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">78,110</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,286</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,279</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,192</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,999</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,499</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,403</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,420</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">159,240</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">203,318</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,747</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,380</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">907</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">693</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">448</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,094</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,448</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,639</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,356</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,768</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,213</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">873</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">413</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">228</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">579</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,686</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,148</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,274</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,310</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,555</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,326</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32,667</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">72,029</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">279,436</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,475</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,242</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,002</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,969</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">620</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">754</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">709</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">427</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">185</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">93</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">297</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,588</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,742</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,016</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44,818</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,914</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,192</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,030</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,471</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">36,588</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80,166</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">285,456</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514,635</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">276</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">428</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">221</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">272</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">617</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,663</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,587</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,528</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,901</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,024</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">71</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">777</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">65</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">137</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">160</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31,307</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35,442</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">141,138</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">34,025</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">26,583</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,100</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">42,885</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">103,781</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">501,170</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">881,453</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,092</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,065</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">201</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">218</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">184</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">349</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,044</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">427,657</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,052</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,138</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,925</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,093</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,685</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,520</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">326</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,222</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,057</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21,448</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,951</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">37,703</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,971</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,115</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,883</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">479</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">169</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">658</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">926</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,713</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24,914</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,821</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,381</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">814</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">660</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">526</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,420</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,829</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,698</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,149</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,954</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,057</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,260</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,873</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,554</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,489</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">24,418</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,987</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,592</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">456</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">324</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">178</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">287</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,485</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,235</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">105,146</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">120,123</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">348</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">527</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">789</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">787</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">776</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,280</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,517</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,954</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44,978</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,846</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,169</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">372</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,532</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">469</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">639</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">876</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,924</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,827</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">789</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,943</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,130</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,329</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,253</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">453,367</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31,747</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25,507</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16,701</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13,847</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">53,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">66,446</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">173,077</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">834,088</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:32.670%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.382%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 to 6<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6 to 9<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9 to 12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 2<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,019 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,108 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,269 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">858 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,827 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,726 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">143,776 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180,769 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,896 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,823 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,069 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">656 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">637 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,424 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,828 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,420 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,756 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">763 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">896 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">700 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">352 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">78 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,084 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,535 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,628 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,337 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,849 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,952 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,886 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">78,857 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">287,855 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,530 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,908 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,600 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,035 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">285 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,924 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">583 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">219 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">275 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">874 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,475 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,926 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36,828 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,518 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,906 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,859 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,666 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,762 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">88,999 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">289,784 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,322 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">310 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">273 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">391 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">456 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">665 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,324 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,334 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,401 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,537 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">969 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">589 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">132 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">71 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">129 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29,534 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,008 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">144,978 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30,691 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27,682 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,746 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,958 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,408 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">109,016 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">485,915 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">873,394 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,988 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">364 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">139 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">408 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,222 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">446,311 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,074 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,628 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,953 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,695 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,887 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,402 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">381 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,203 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,183 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30,210 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,363 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,526 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,431 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">665 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">615 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,476 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,434 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,755 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,197 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,647 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">942 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">739 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">779 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,030 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,850 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,858 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,562 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,761 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,646 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,940 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,114 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,124 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,964 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,708 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">422 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">94 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">163 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,247 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,465 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">98,982 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110,278 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">439 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">497 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">736 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">742 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">716 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,890 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,663 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,476 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,680 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,236 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">378 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,476 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">515 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">499 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">688 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,718 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,190 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">541 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">662 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">915 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,770 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,842 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,730 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">483,199 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30,547 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,632 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,245 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,223 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,114 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">87,937 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">164,586 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">829,483 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The above table is provided on a contractual basis. The Group’s assets and liabilities may be repaid or otherwise mature earlier or later than implied by their contractual terms and readers are, therefore, advised to use caution when using this data to evaluate the Group’s liquidity position. In particular, amounts in respect of customer deposits are usually contractually payable on demand or at short notice. However, in practice, these deposits are not usually withdrawn on their contractual maturity.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below analyses financial instrument liabilities of the Group, excluding those arising from insurance and participating investment contracts, on an undiscounted future cash flow basis according to contractual maturity, into relevant maturity groupings based on the remaining period at the balance sheet date; balances with no fixed maturity are included in the over 5 years category.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,093</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,073</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">623</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,394</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,183</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">427,695</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,133</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,572</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,767</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">325</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">472,492</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,627</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,092</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,085</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31,399</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">40,203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,801</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,157</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,694</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,808</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,845</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">26,305</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,334</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,492</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21,111</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">40,741</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,085</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80,763</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44,978</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44,978</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">247</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">779</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">666</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,780</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,274</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,627</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,822</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,835</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total non-derivative financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">489,578</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29,097</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52,606</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">94,515</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,743</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">688,539</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – outflows</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80,148</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">46,874</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47,777</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35,807</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,302</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">230,908</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – inflows</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(78,031)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(45,249)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(46,575)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(35,753)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(20,327)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(225,935)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – net flows</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,117</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,625</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,202</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">54</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(25)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,973</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net settled derivative liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,095</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">138</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">161</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">402</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,501</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,297</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total derivative financial liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,212</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,763</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,363</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">456</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,476</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,270</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:43.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.493%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 to 12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,925 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">369 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">714 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">135 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,370 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">449,801 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,717 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,635 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,417 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">382 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,952 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,501 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,188 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">904 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,054 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52,685 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,297 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,397 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,725 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,293 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,747 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,459 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,108 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,625 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,517 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,527 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,623 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">85,400 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,975 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,975 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">166 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">582 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">700 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,515 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,648 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,741 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,384 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20,913 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total non-derivative financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,647 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28,463 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,309 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,841 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30,009 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">705,269 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – outflows</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">55,671 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43,380 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40,826 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,808 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20,677 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">195,362 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – inflows</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(52,383)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(41,255)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(39,132)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(34,015)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,130)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(186,915)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – net flows</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,288 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,125 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,694 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">793 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">547 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,447 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net settled derivative liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,078 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">82 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">130 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">752 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,501 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,543 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total derivative financial liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,366 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,207 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,824 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,545 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,048 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,990 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The majority of the Group’s non-participating investment contract liabilities are unit-linked. These unit-linked products are invested in accordance with unit fund mandates. Clauses are included in policyholder contracts to permit the deferral of sales, where necessary, so that linked assets can be realised without being a forced seller.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The principal amount for undated subordinated liabilities with no redemption option is included within the over 5 years column; interest of £16 million (2022: £17 million) per annum which is payable in respect of those instruments for as long as they remain in issue is not included beyond 5 years.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">An analysis of the Group’s total wholesale funding by residual maturity and by currency is set out on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">page </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%"><a href="#ia86106193fc84c94b94417332da816eb_1728" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">78</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table presents the estimated amount and timing of the remaining contractual discounted cash flows arising from insurance liabilities The amounts presented do not include those relating to LRC of contracts that are measured under the PAA.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:32.670%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Less than 1<br/> year<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 2<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2 to 3<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 4<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(843)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,112)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,035)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,537)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,667)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(101,354)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(114,548)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contract liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(843)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,112)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,035)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,537)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,667)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(101,367)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(114,561)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,115)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(752)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,882)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,621)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,147)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(95,362)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(104,879)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contract liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(118)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(138)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,119)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(756)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,886)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,625)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,151)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(95,480)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(105,017)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">For insurance contracts which are neither unit-linked nor in the Group’s with-profit funds, in particular annuity liabilities, the aim is to invest in assets such that the cash flows on investments match those on the projected future liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Some of the Group’s insurance and participating investment contract liabilities are payable on demand as shown in the table below:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:60.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Amounts<br/>payable on<br/>demand<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Carrying<br/>amount<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts<br/>payable on<br/>demand<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying<br/>amount<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Life</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">102,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">99,799</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">93,663 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,163 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-life</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">102,396</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">99,799</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">93,663 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,163 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The amounts payable on demand represent contract surrender values and incurred claims.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The figures below are presented in timing categories representing the remaining offer periods of lending commitments or remaining coverage periods of financial guarantees, but the Group could be required to lend or pay amounts under those arrangements earlier than the periods presented below. Payment under the significant majority of the Group’s lending commitments and financial guarantee contracts could be required to be made on demand.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:37.327%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.741%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.745%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 6<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">6 to 9<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">9 to 12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 3<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acceptances and endorsements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">166</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">191</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other contingent liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">214</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">558</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">157</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">148</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">200</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">598</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">190</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">593</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,658</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total contingent liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">221</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">568</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">323</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">148</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">208</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">598</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">190</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">593</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,849</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lending commitments and guarantees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">69,932</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,767</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,384</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,212</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,528</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23,269</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,142</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,983</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">143,217</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other commitments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">41</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">102</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total commitments and guarantees</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">69,932</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,767</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,384</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,212</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,528</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23,307</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,183</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,006</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">143,319</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total contingents, commitments and guarantees</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">70,153</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,335</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,707</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,360</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,736</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23,905</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,373</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,599</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">146,168</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acceptances and endorsements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other contingent liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">355 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">744 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">263 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">240 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">144 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">554 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">181 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">447 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,928 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total contingent liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">402 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">755 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">263 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">554 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">181 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">447 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,986 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lending commitments and guarantees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68,984 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,419 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,641 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,586 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,439 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,787 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,329 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,571 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">143,756 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other commitments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total commitments and guarantees</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68,984 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,419 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,641 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,586 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,439 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,787 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,339 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,600 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">143,795 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total contingents, commitments and guarantees</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">69,386 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,174 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,904 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,826 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,583 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,341 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,520 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20,047 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">146,781 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Capital risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Capital is actively managed on an ongoing basis for both the Group and its regulated banking subsidiaries, with associated capital policies and procedures subjected to regular review. The Group assesses both its regulatory capital requirements and the quantity and quality of capital resources it holds to meet those requirements in accordance with the relevant provisions of the Capital Requirements Directive (CRD V) and Capital Requirements Regulation (UK CRR). This is supplemented through additional regulation set out under the PRA Rulebook and through associated statements of policy, supervisory statements and other regulatory guidance. Regulatory capital ratios are considered a key part of the budgeting and planning processes and forecast ratios are reviewed by the Group Asset and Liability Committee. Target capital levels take account of current and future regulatory requirements, capacity for growth and to cover uncertainties. Details of the Group’s capital resources are provided in the table marked audited on </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.01em;line-height:126%">page </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%"><a href="#idb05989b2a514089b7d384f783f5e7c3_15689" style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:700;letter-spacing:0.007em;line-height:126%;text-decoration:none">48</a></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Each insurance company within the Group is regulated by the PRA. The insurance businesses are required to calculate solvency capital requirements and available capital in accordance with Solvency II. The Group complied with these requirements in 2023 and 2022. The Insurance business of the Group calculates regulatory capital on the basis of an internal model, which was approved by the PRA on 5 December 2015, with the latest major change to the model approved in November 2020. The capital position of the Group’s insurance businesses is reviewed on a regular basis by the Insurance, Pensions and Investments Executive Committee.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span id="ia1efb5b3ba4c4a8ebac54eacfbeb8794_1445"></span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Insurance risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Insurance underwriting risk is the risk of adverse developments in the timing, frequency and severity of claims for insured/underwritten events and in customer behaviour, leading to reductions in earnings and/or value and arises within the Group’s Insurance business. Insurance underwriting risk is measured using a variety of techniques including stress, reverse stress and scenario testing, as well as stochastic modelling. Current and potential future insurance underwriting risk exposures are assessed and aggregated on a range of stresses including risk measures based on 1-in-200 year stresses for the Insurance business’s regulatory capital assessments and other supporting measures where appropriate. The Group also mitigates insurance underwriting risk via the use of reinsurance arrangements. The Group's critical accounting judgements and key sources of estimation uncertainty for its Insurance business are set out in note 36.</span></div>
CY2023	ifrs-full	Disclosure Of Credit Risk Exposure Explanatory DisclosureOfCreditRiskExposureExplanatory	<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Maximum<br/>exposure<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Offset</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Net<br/>exposure<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maximum<br/>exposure<br/>£m</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Offset</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net<br/>exposure<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3,4</span></div></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84,583</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">84,583</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,887 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,887 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,356</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,862)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,494</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12,330)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,423 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost, net</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks, net</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,764</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,632 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers, net</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,214)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">447,531</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,171)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">452,728 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reverse repurchase agreements, net</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,771</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44,865 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities, net</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,355</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,926 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">514,635</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,214)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">512,421</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,322 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,171)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">518,151 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,360</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">27,360</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,871 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,871 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contract assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">442</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">442</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Off-balance sheet items:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acceptances and endorsements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">191</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">191</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">58 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other items serving as direct credit substitutes</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">286</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">286</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">781 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">781 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Performance bonds, including letters of credit, and other transaction-related contingencies</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,372</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,372</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,147 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,147 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Irrevocable commitments and guarantees</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,080</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">75,080</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74,692 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74,692 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77,929</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77,929</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77,678 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">77,678 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">727,305</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(12,076)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">715,229</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">719,883 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14,501)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">705,382 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Offset items comprise deposit amounts available for offset and amounts available for offset under master netting arrangements that do not meet the criteria under IAS 32 to enable loans and advances and derivative assets respectively to be presented net of these balances in the financial statements.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Excluding equity shares.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Includes assets within the Group’s unit-linked funds for which credit risk is borne by the policyholders and assets within the Group’s With-Profits Funds for which credit risk is largely borne by the policyholders. Consequently, the Group has no significant exposure to credit risk for such assets which back related contract liabilities</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:120%">.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 Amounts shown net of related impairment allowances.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The table below shows the average PD for the major portfolios used in the calculation of ECL and therefore Stage 2 average PD reflects the lifetime value. These reflect the forward-looking view under the Group’s base case scenario prior to the application of MES and post-model adjustments which further impact ECL.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:60.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="6" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 1<br/>average PD<br/>%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Stage 2<br/>average PD<br/>%</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1<br/>average PD<br/>%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2<br/>average PD<br/>%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.57</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17.60</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15.48 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.14</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">23.02</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2.06 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20.89 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and overdrafts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2.75</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29.66</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3.36 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">29.75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">UK Motor Finance</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.61</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10.00</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.71 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11.24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Commercial Banking</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">0.92</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22.55</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">0.88 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18.50 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Disclosure Of Loans And Advances To Customers Explanatory DisclosureOfLoansAndAdvancesToCustomersExplanatory	<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Agriculture, forestry and fishing</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,038</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,447 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Construction</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,878</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,066 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Energy and water supply</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,468</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,552 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial, business and other services</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35,112</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">37,666 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lease financing</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,374</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,795 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Manufacturing</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,619 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Personal:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:7.09pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mortgages</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">323,627</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">323,923 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">25,342</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Postal and telecommunications</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,654</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,526 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Property companies</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,904</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21,499 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transport, distribution and hotels</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,044</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,170 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total loans and advances to customers before allowance for impairment losses</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">453,462</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">459,417 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Allowance for impairment losses (note 24)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,717)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,518)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total loans and advances to customers</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">449,745</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">454,899 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes both UK and overseas mortgage balances.</span></div>
CY2023Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	449745000000	gbp
CY2022Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	454899000000	gbp
CY2023Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	78110000000	gbp
CY2022Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	91388000000	gbp
CY2023	ifrs-full	Disclosure Of Information About Credit Exposures Designated As Measured At Fair Value Through Profit Or Loss Explanatory DisclosureOfInformationAboutCreditExposuresDesignatedAsMeasuredAtFairValueThroughProfitOrLossExplanatory	The credit quality of the Group’s debt securities, treasury and other bills, and contracts held with reinsurers held at fair value through profit or loss is set out below:<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="15" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">grade</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Other</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:700;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">grade</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Trading assets</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,596</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,596</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,185 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,185 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">77</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">21 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">471</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">529</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">228 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total trading assets (excluding loans and advances to customers and reverse repurchase agreements)</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,144</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">58</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,202</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,422 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,434 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other financial assets mandatorily at fair value through profit or loss:</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,009</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,009</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,871 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,872 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other public sector securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,303</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,310</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,510 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,516 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Bank and building society certificates of deposit</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,504</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,504</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,129 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,133 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">506</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">513</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">399 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">399 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 15.17pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17,076</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,049</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,125</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,932 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,761 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,693 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35,398</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,063</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38,461</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">32,841 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,772 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">35,613 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">51</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contracts held with reinsurers</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,336</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,424</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,822 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">84 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,906 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total other financial assets mandatorily held at fair value through profit or loss (excluding loans and advances and equity shares)</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">46,785</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,151</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">49,936</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43,725 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,856 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">46,581 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Credit ratings equal to or better than ‘BBB’.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other comprises sub-investment grade (2023: £1,202 million; 2022: £1,256 million) and not rated (2023: £2,007 million; 2022: £1,612 million).</span></div>
CY2023Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22356000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2023Q4	ifrs-full	Assets Obtained AssetsObtained	229000000	gbp
CY2022Q4	ifrs-full	Assets Obtained AssetsObtained	219000000	gbp
CY2023	ifrs-full	Disclosure Of Transfers Of Financial Assets Explanatory DisclosureOfTransfersOfFinancialAssetsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following on-balance sheet financial assets have been lent to counterparties under securities lending transactions:</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:79.977%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.362%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">633</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,463 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,245</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,429 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,878</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,892 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023	ifrs-full	Maturity Analysis For Nonderivative Financial Liabilities MaturityAnalysisForNonderivativeFinancialLiabilities	<div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,093</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,073</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">623</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,394</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,183</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">427,695</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11,133</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,572</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10,767</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">325</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">472,492</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3,627</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,092</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,085</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">31,399</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">40,203</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,801</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,157</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,694</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,808</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,845</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">26,305</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,334</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,492</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">21,111</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">40,741</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8,085</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80,763</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44,978</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">44,978</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">18</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">70</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">247</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">779</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">666</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,780</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">32</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,274</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,627</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,822</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">15,835</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total non-derivative financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">489,578</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">29,097</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">52,606</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">94,515</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">22,743</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">688,539</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – outflows</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">80,148</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">46,874</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">47,777</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">35,807</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">20,302</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">230,908</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – inflows</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(78,031)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(45,249)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(46,575)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(35,753)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(20,327)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(225,935)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – net flows</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,117</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,625</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,202</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">54</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(25)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,973</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net settled derivative liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,095</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">138</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">161</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">402</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,501</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,297</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total derivative financial liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14,212</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,763</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,363</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">456</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,476</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,270</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 52: Financial risk management</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:43.732%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.488%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.493%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 to 12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,925 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">369 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">714 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">135 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,370 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">449,801 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,717 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,635 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,417 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">382 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,952 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,501 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,188 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">904 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">33,054 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">52,685 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,297 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,397 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,725 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,293 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,747 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,459 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,108 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,625 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,517 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,527 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,623 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">85,400 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,975 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,975 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">166 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">582 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">700 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,515 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,648 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,741 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,384 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20,913 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total non-derivative financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,647 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">28,463 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,309 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,841 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30,009 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">705,269 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – outflows</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">55,671 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43,380 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">40,826 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">34,808 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">20,677 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">195,362 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – inflows</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(52,383)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(41,255)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(39,132)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(34,015)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(20,130)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(186,915)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross settled derivatives – net flows</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,288 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,125 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,694 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">793 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">547 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8,447 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net settled derivative liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,078 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">82 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">130 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">752 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,501 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,543 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total derivative financial liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,366 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,207 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,824 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,545 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,048 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,990 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div>
CY2023Q4	ifrs-full	Undated Subordinated Liabilities UndatedSubordinatedLiabilities	16000000	gbp
CY2022Q4	ifrs-full	Undated Subordinated Liabilities UndatedSubordinatedLiabilities	17000000	gbp
CY2023	ifrs-full	Disclosure Of Maturity Analysis For Liquidity Risk That Arises From Contracts Within Scope Of Ifrs17 Explanatory DisclosureOfMaturityAnalysisForLiquidityRiskThatArisesFromContractsWithinScopeOfIFRS17Explanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The following table presents the estimated amount and timing of the remaining contractual discounted cash flows arising from insurance liabilities The amounts presented do not include those relating to LRC of contracts that are measured under the PAA.</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:32.670%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.364%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Less than 1<br/> year<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">1 to 2<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2 to 3<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">3 to 4<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">4 to 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2023</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(843)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,112)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,035)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,537)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,667)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(101,354)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(114,548)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contract liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(843)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2,112)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,035)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,537)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,667)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(101,367)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(114,561)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,115)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(752)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,882)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,621)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,147)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(95,362)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(104,879)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance contract liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(118)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(138)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,119)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(756)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,886)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,625)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,151)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(95,480)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(105,017)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2023Q4	ifrs-full	Remaining Contractual Undiscounted Cash Outflows Inflows That Arise From Contracts Within Scope Of Ifrs17 That Are Liabilities RemainingContractualUndiscountedCashOutflowsInflowsThatAriseFromContractsWithinScopeOfIFRS17ThatAreLiabilities	-114561000000	gbp
CY2022Q4	ifrs-full	Remaining Contractual Undiscounted Cash Outflows Inflows That Arise From Contracts Within Scope Of Ifrs17 That Are Liabilities RemainingContractualUndiscountedCashOutflowsInflowsThatAriseFromContractsWithinScopeOfIFRS17ThatAreLiabilities	-105017000000	gbp
CY2023Q4	ifrs-full	Amounts Payable On Demand That Arise From Contracts Within Scope Of Ifrs17 AmountsPayableOnDemandThatAriseFromContractsWithinScopeOfIFRS17	102396000000	gbp
CY2022Q4	ifrs-full	Amounts Payable On Demand That Arise From Contracts Within Scope Of Ifrs17 AmountsPayableOnDemandThatAriseFromContractsWithinScopeOfIFRS17	93663000000	gbp
CY2023Q4	ifrs-full	Estimated Financial Effect Of Contingent Liabilities EstimatedFinancialEffectOfContingentLiabilities	2849000000	gbp
CY2023Q4	ifrs-full	Gross Loan Commitments GrossLoanCommitments	143319000000	gbp
CY2023Q4	lyg	Total Contingents And Commitments TotalContingentsAndCommitments	146168000000	gbp
CY2022Q4	ifrs-full	Estimated Financial Effect Of Contingent Liabilities EstimatedFinancialEffectOfContingentLiabilities	2986000000	gbp
CY2022Q4	ifrs-full	Gross Loan Commitments GrossLoanCommitments	143795000000	gbp
CY2022Q4	lyg	Total Contingents And Commitments TotalContingentsAndCommitments	146781000000	gbp
CY2023	ifrs-full	Disclosure Of Cash Flow Statement Explanatory DisclosureOfCashFlowStatementExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 53: Cash flow statement</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(A) Change in operating assets</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1,2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in financial assets held at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,311</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,639)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,379)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in financial assets at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(22,539)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">26,219 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(15,565)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,805</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7,704)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,132 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in other operating assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(687)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(141)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,447 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Change in operating assets</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(9,110)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,735 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10,365)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Restated for presentational changes; see note 1.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 53: Cash flow statement</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(B) Change in operating liabilities</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1,2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in deposits from banks</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,110)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(388)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,052)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in customer deposits</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,850)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,207)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">25,672 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(10,893)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,471 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,941 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6,925</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,849)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">391 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(3,893)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,982 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9,258)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in debt securities in issue at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,094</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,651 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(15,896)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in insurance contracts</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9,845</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(14,901)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,328 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in investment contract liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,502</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,414)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,588 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in other operating liabilities</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(388)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(864)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(432)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Change in operating liabilities</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4,232</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,481 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,282 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Restated for presentational changes; see note 1.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Includes an increase of £315 million (2022: decrease of £158 million; 2021: decrease of £197 million) in respect of lease liabilities.</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(C) Non-cash and other items</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:70.515%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.363%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">1,2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest expense on subordinated liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">720</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">697 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,320 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedging valuation adjustments on subordinated debt</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">141</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,871)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(781)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Accretion of discounts and amortisation of premiums and issue costs</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,259</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">462 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(306)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Revaluation of investment properties</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">511 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(575)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net gain on sale of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(122)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share of post-tax results of associates and joint ventures</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">16</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Profit on disposal of tangible fixed assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(61)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(121)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(268)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net (credit) charge in respect of defined benefit schemes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(79)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">125 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">236 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2,905</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,396 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,825 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Regulatory and legal provisions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">675</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,300 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other provision movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(30)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(74)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(66)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Allowance for loan losses</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">315</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,121)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Write-off of allowance for loan losses, net of recoveries</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,115)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(759)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(935)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment charge (credit) on undrawn balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">–</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">122 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(257)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment (credit) charge on financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transactions in own shares</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">103</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(60)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers to income statement from reserves</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1,838</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(621)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Foreign exchange impact on balance sheet</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">502</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(286)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">140 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other non-cash items</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">176</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">185 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total non-cash items</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7,328</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,901 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">899 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contributions to defined benefit schemes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,345)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,533)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,347)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Payments in respect of regulatory and legal provisions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(378)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(625)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(817)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">17</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total other items</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,706)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,145)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,164)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-cash and other items</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5,622</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(244)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,265)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated for the adoption of IFRS 17; see notes 1 and 54.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Restated for presentational changes; see note 1.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 When considering the movement on each line of the balance sheet, the impact of foreign exchange rate movements is removed in order to show the underlying cash impact.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 53: Cash flow statement</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(D) Acquisition of Group undertakings and businesses</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Net assets acquired:</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and cash equivalents</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">38</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">182</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">672</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">131 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(58)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(646)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(146)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Goodwill arising on acquisition</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">143</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">335 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash consideration</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">331</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">388 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Less cash and cash equivalents acquired</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(38)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(74)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net cash outflow arising from acquisition of subsidiaries and businesses</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">293</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">314 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisition of and additional investment in joint ventures</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">87</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">95 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net cash outflow from acquisitions in the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">380</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">409 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">57 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;padding-left:15.59pt;text-indent:-15.59pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">(E) Analysis of cash and cash equivalents as shown in the balance sheet</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">78,110</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,388 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">76,420 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Less mandatory reserve deposits</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,930)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,111)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,178)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">76,180</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">89,277 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74,242 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks and reverse repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,048</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,418 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,533 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Less amounts with a maturity of three months or more</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6,390)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7,866)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,581)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,658</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,552 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,952 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total cash and cash equivalents</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88,838</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">95,829 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">79,194 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Mandatory reserve deposits are held with local central banks in accordance with statutory requirements. Where these deposits are not held in demand accounts and are not available to finance the Group’s day-to-day operations they are excluded from cash and cash equivalents.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Included within cash and cash equivalents at 31 December 2023 is £31 million (2022: £37 million; 2021: £76 million) of restricted cash and cash equivalents is held within the Group’s long-term insurance and investments operations, which is not immediately available for use in the business.</span></div>
CY2023	lyg	Adjustments For Decrease Increase In Loans And Advances To Reconcile Profit Loss To Net Cash Flow From Used In Operating Activities AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToReconcileProfitLossToNetCashFlowFromUsedInOperatingActivities	12311000000	gbp
CY2022	lyg	Adjustments For Decrease Increase In Loans And Advances To Reconcile Profit Loss To Net Cash Flow From Used In Operating Activities AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToReconcileProfitLossToNetCashFlowFromUsedInOperatingActivities	-1639000000	gbp
CY2021	lyg	Adjustments For Decrease Increase In Loans And Advances To Reconcile Profit Loss To Net Cash Flow From Used In Operating Activities AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToReconcileProfitLossToNetCashFlowFromUsedInOperatingActivities	-2379000000	gbp
CY2023	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss	22539000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss	-26219000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss	15565000000	gbp
CY2023	lyg	Adjustments For Change In Derivative Financial Instruments Trading And Other Financial Assets At Fair Value Through Profit Or Loss To Reconcile Profit Loss To Net Cash Flow From Used In Operating AdjustmentsForChangeInDerivativeFinancialInstrumentsTradingAndOtherFinancialAssetsAtFairValueThroughProfitOrLossToReconcileProfitLossToNetCashFlowFromUsedInOperating	1805000000	gbp
CY2022	lyg	Adjustments For Change In Derivative Financial Instruments Trading And Other Financial Assets At Fair Value Through Profit Or Loss To Reconcile Profit Loss To Net Cash Flow From Used In Operating AdjustmentsForChangeInDerivativeFinancialInstrumentsTradingAndOtherFinancialAssetsAtFairValueThroughProfitOrLossToReconcileProfitLossToNetCashFlowFromUsedInOperating	-7704000000	gbp
CY2021	lyg	Adjustments For Change In Derivative Financial Instruments Trading And Other Financial Assets At Fair Value Through Profit Or Loss To Reconcile Profit Loss To Net Cash Flow From Used In Operating AdjustmentsForChangeInDerivativeFinancialInstrumentsTradingAndOtherFinancialAssetsAtFairValueThroughProfitOrLossToReconcileProfitLossToNetCashFlowFromUsedInOperating	6132000000	gbp
CY2023	ifrs-full	Adjustments For Decrease Increase In Other Assets AdjustmentsForDecreaseIncreaseInOtherAssets	-687000000	gbp
CY2022	ifrs-full	Adjustments For Decrease Increase In Other Assets AdjustmentsForDecreaseIncreaseInOtherAssets	-141000000	gbp
CY2021	ifrs-full	Adjustments For Decrease Increase In Other Assets AdjustmentsForDecreaseIncreaseInOtherAssets	1447000000	gbp
CY2023	lyg	Increase Decrease In Operating Assets1 IncreaseDecreaseInOperatingAssets1	-9110000000	gbp
CY2022	lyg	Increase Decrease In Operating Assets1 IncreaseDecreaseInOperatingAssets1	16735000000	gbp
CY2021	lyg	Increase Decrease In Operating Assets1 IncreaseDecreaseInOperatingAssets1	-10365000000	gbp
CY2023	lyg	Adjustments For Increase Decrease In Deposits From Banks And Repurchase Agreements AdjustmentsForIncreaseDecreaseInDepositsFromBanksAndRepurchaseAgreements	-1110000000	gbp
CY2022	lyg	Adjustments For Increase Decrease In Deposits From Banks And Repurchase Agreements AdjustmentsForIncreaseDecreaseInDepositsFromBanksAndRepurchaseAgreements	-388000000	gbp
CY2021	lyg	Adjustments For Increase Decrease In Deposits From Banks And Repurchase Agreements AdjustmentsForIncreaseDecreaseInDepositsFromBanksAndRepurchaseAgreements	-5052000000	gbp
CY2023	lyg	Adjustments For Increase Decrease In Deposits From Customers1 AdjustmentsForIncreaseDecreaseInDepositsFromCustomers1	-3850000000	gbp
CY2022	lyg	Adjustments For Increase Decrease In Deposits From Customers1 AdjustmentsForIncreaseDecreaseInDepositsFromCustomers1	-1207000000	gbp
CY2021	lyg	Adjustments For Increase Decrease In Deposits From Customers1 AdjustmentsForIncreaseDecreaseInDepositsFromCustomers1	25672000000	gbp
CY2023	ifrs-full	Adjustments For Increase Decrease In Repurchase Agreements And Cash Collateral On Securities Lent AdjustmentsForIncreaseDecreaseInRepurchaseAgreementsAndCashCollateralOnSecuritiesLent	-10893000000	gbp
CY2022	ifrs-full	Adjustments For Increase Decrease In Repurchase Agreements And Cash Collateral On Securities Lent AdjustmentsForIncreaseDecreaseInRepurchaseAgreementsAndCashCollateralOnSecuritiesLent	17471000000	gbp
CY2021	ifrs-full	Adjustments For Increase Decrease In Repurchase Agreements And Cash Collateral On Securities Lent AdjustmentsForIncreaseDecreaseInRepurchaseAgreementsAndCashCollateralOnSecuritiesLent	2941000000	gbp
CY2023	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLoss	-6925000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLoss	4849000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLoss	-391000000	gbp
CY2023	lyg	Gains Losses In Derivative Financial Instruments And Liabilities At Fair Value Through Profit Or Loss GainsLossesInDerivativeFinancialInstrumentsAndLiabilitiesAtFairValueThroughProfitOrLoss	-3893000000	gbp
CY2022	lyg	Gains Losses In Derivative Financial Instruments And Liabilities At Fair Value Through Profit Or Loss GainsLossesInDerivativeFinancialInstrumentsAndLiabilitiesAtFairValueThroughProfitOrLoss	5982000000	gbp
CY2021	lyg	Gains Losses In Derivative Financial Instruments And Liabilities At Fair Value Through Profit Or Loss GainsLossesInDerivativeFinancialInstrumentsAndLiabilitiesAtFairValueThroughProfitOrLoss	-9258000000	gbp
CY2023	lyg	Change In Debt Securities In Issue ChangeInDebtSecuritiesInIssue	2094000000	gbp
CY2022	lyg	Change In Debt Securities In Issue ChangeInDebtSecuritiesInIssue	1651000000	gbp
CY2021	lyg	Change In Debt Securities In Issue ChangeInDebtSecuritiesInIssue	-15896000000	gbp
CY2023	lyg	Adjustments For Increase Decrease In Insurance Contracts AdjustmentsForIncreaseDecreaseInInsuranceContracts	9845000000	gbp
CY2022	lyg	Adjustments For Increase Decrease In Insurance Contracts AdjustmentsForIncreaseDecreaseInInsuranceContracts	-14901000000	gbp
CY2021	lyg	Adjustments For Increase Decrease In Insurance Contracts AdjustmentsForIncreaseDecreaseInInsuranceContracts	7328000000	gbp
CY2023	lyg	Adjustments For Increase Decrease In Investment Contract Liabilities AdjustmentsForIncreaseDecreaseInInvestmentContractLiabilities	5502000000	gbp
CY2022	lyg	Adjustments For Increase Decrease In Investment Contract Liabilities AdjustmentsForIncreaseDecreaseInInvestmentContractLiabilities	-1414000000	gbp
CY2021	lyg	Adjustments For Increase Decrease In Investment Contract Liabilities AdjustmentsForIncreaseDecreaseInInvestmentContractLiabilities	6588000000	gbp
CY2023	lyg	Increase Decrease In Other Operating Liabilities1 IncreaseDecreaseInOtherOperatingLiabilities1	-388000000	gbp
CY2022	lyg	Increase Decrease In Other Operating Liabilities1 IncreaseDecreaseInOtherOperatingLiabilities1	-864000000	gbp
CY2021	lyg	Increase Decrease In Other Operating Liabilities1 IncreaseDecreaseInOtherOperatingLiabilities1	-432000000	gbp
CY2023	lyg	Increase Decrease In Operating Liabilities1 IncreaseDecreaseInOperatingLiabilities1	4232000000	gbp
CY2022	lyg	Increase Decrease In Operating Liabilities1 IncreaseDecreaseInOperatingLiabilities1	1481000000	gbp
CY2021	lyg	Increase Decrease In Operating Liabilities1 IncreaseDecreaseInOperatingLiabilities1	12282000000	gbp
CY2023	lyg	Increase Decrease In Lease Liabilities IncreaseDecreaseInLeaseLiabilities	315000000	gbp
CY2022	lyg	Increase Decrease In Lease Liabilities IncreaseDecreaseInLeaseLiabilities	-158000000	gbp
CY2021	lyg	Increase Decrease In Lease Liabilities IncreaseDecreaseInLeaseLiabilities	-197000000	gbp
CY2023	lyg	Interest Expense On Subordinated Liabilities InterestExpenseOnSubordinatedLiabilities	720000000	gbp
CY2022	lyg	Interest Expense On Subordinated Liabilities InterestExpenseOnSubordinatedLiabilities	697000000	gbp
CY2021	lyg	Interest Expense On Subordinated Liabilities InterestExpenseOnSubordinatedLiabilities	1320000000	gbp
CY2023	lyg	Hedging Valuation Adjustments On Subordinated Debt HedgingValuationAdjustmentsOnSubordinatedDebt	141000000	gbp
CY2022	lyg	Hedging Valuation Adjustments On Subordinated Debt HedgingValuationAdjustmentsOnSubordinatedDebt	-1871000000	gbp
CY2021	lyg	Hedging Valuation Adjustments On Subordinated Debt HedgingValuationAdjustmentsOnSubordinatedDebt	-781000000	gbp
CY2023	lyg	Accretion Of Discounts And Amortisation Of Premiums And Issue Costs AccretionOfDiscountsAndAmortisationOfPremiumsAndIssueCosts	1259000000	gbp
CY2022	lyg	Accretion Of Discounts And Amortisation Of Premiums And Issue Costs AccretionOfDiscountsAndAmortisationOfPremiumsAndIssueCosts	462000000	gbp
CY2021	lyg	Accretion Of Discounts And Amortisation Of Premiums And Issue Costs AccretionOfDiscountsAndAmortisationOfPremiumsAndIssueCosts	-306000000	gbp
CY2023	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	-87000000	gbp
CY2022	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	-511000000	gbp
CY2021	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	575000000	gbp
CY2023	lyg	Gains Losses On Sale Of Non Cash Financial Assets Measured At Fair Value Through Other Comprehensive Income GainsLossesOnSaleOfNonCashFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	122000000	gbp
CY2022	lyg	Gains Losses On Sale Of Non Cash Financial Assets Measured At Fair Value Through Other Comprehensive Income GainsLossesOnSaleOfNonCashFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	92000000	gbp
CY2021	lyg	Gains Losses On Sale Of Non Cash Financial Assets Measured At Fair Value Through Other Comprehensive Income GainsLossesOnSaleOfNonCashFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-2000000	gbp
CY2023	ifrs-full	Share Of Profit Loss Of Associates And Joint Ventures Accounted For Using Equity Method ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod	-16000000	gbp
CY2022	ifrs-full	Share Of Profit Loss Of Associates And Joint Ventures Accounted For Using Equity Method ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod	10000000	gbp
CY2021	ifrs-full	Share Of Profit Loss Of Associates And Joint Ventures Accounted For Using Equity Method ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod	2000000	gbp
CY2023	lyg	Other Movements In Defined Benefit Schemes OtherMovementsInDefinedBenefitSchemes	-79000000	gbp
CY2022	lyg	Other Movements In Defined Benefit Schemes OtherMovementsInDefinedBenefitSchemes	125000000	gbp
CY2021	lyg	Other Movements In Defined Benefit Schemes OtherMovementsInDefinedBenefitSchemes	236000000	gbp
CY2023	ifrs-full	Depreciation And Amortisation Expense DepreciationAndAmortisationExpense	2905000000	gbp
CY2022	ifrs-full	Depreciation And Amortisation Expense DepreciationAndAmortisationExpense	2396000000	gbp
CY2021	ifrs-full	Depreciation And Amortisation Expense DepreciationAndAmortisationExpense	2825000000	gbp
CY2023	lyg	Change In Other Provisions ChangeInOtherProvisions	30000000	gbp
CY2022	lyg	Change In Other Provisions ChangeInOtherProvisions	74000000	gbp
CY2021	lyg	Change In Other Provisions ChangeInOtherProvisions	66000000	gbp
CY2023	lyg	Write Off Of Impairment Allowances Recognised Against Loans And Advances Net Of Recoveries WriteOffOfImpairmentAllowancesRecognisedAgainstLoansAndAdvancesNetOfRecoveries	1115000000	gbp
CY2022	lyg	Write Off Of Impairment Allowances Recognised Against Loans And Advances Net Of Recoveries WriteOffOfImpairmentAllowancesRecognisedAgainstLoansAndAdvancesNetOfRecoveries	759000000	gbp
CY2021	lyg	Write Off Of Impairment Allowances Recognised Against Loans And Advances Net Of Recoveries WriteOffOfImpairmentAllowancesRecognisedAgainstLoansAndAdvancesNetOfRecoveries	935000000	gbp
CY2023	lyg	Provisions For Undrawn Commitments And Financial Guarantees ProvisionsForUndrawnCommitmentsAndFinancialGuarantees	0	gbp
CY2022	lyg	Provisions For Undrawn Commitments And Financial Guarantees ProvisionsForUndrawnCommitmentsAndFinancialGuarantees	122000000	gbp
CY2021	lyg	Provisions For Undrawn Commitments And Financial Guarantees ProvisionsForUndrawnCommitmentsAndFinancialGuarantees	-257000000	gbp
CY2023	lyg	Proceeds From Payments For Sale Purchase Of Treasury Shares ProceedsFromPaymentsForSalePurchaseOfTreasuryShares	103000000	gbp
CY2022	lyg	Proceeds From Payments For Sale Purchase Of Treasury Shares ProceedsFromPaymentsForSalePurchaseOfTreasuryShares	-60000000	gbp
CY2021	lyg	Proceeds From Payments For Sale Purchase Of Treasury Shares ProceedsFromPaymentsForSalePurchaseOfTreasuryShares	-13000000	gbp
CY2023	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Net Of Tax ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax	1838000000	gbp
CY2022	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Net Of Tax ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax	43000000	gbp
CY2021	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Net Of Tax ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax	-621000000	gbp
CY2023	lyg	Foreign Exchange Impact On Balance Sheet2 ForeignExchangeImpactOnBalanceSheet2	502000000	gbp
CY2022	lyg	Foreign Exchange Impact On Balance Sheet2 ForeignExchangeImpactOnBalanceSheet2	-286000000	gbp
CY2021	lyg	Foreign Exchange Impact On Balance Sheet2 ForeignExchangeImpactOnBalanceSheet2	140000000	gbp
CY2023	lyg	Other Noncash Items OtherNoncashItems	176000000	gbp
CY2022	lyg	Other Noncash Items OtherNoncashItems	185000000	gbp
CY2021	lyg	Other Noncash Items OtherNoncashItems	23000000	gbp
CY2023	lyg	Total Noncash Items TotalNoncashItems	7328000000	gbp
CY2022	lyg	Total Noncash Items TotalNoncashItems	2901000000	gbp
CY2021	lyg	Total Noncash Items TotalNoncashItems	899000000	gbp
CY2023	lyg	Adjustments For Increase Decrease Due To Contributions To Defined Benefit Scheme AdjustmentsForIncreaseDecreaseDueToContributionsToDefinedBenefitScheme	-1345000000	gbp
CY2022	lyg	Adjustments For Increase Decrease Due To Contributions To Defined Benefit Scheme AdjustmentsForIncreaseDecreaseDueToContributionsToDefinedBenefitScheme	-2533000000	gbp
CY2021	lyg	Adjustments For Increase Decrease Due To Contributions To Defined Benefit Scheme AdjustmentsForIncreaseDecreaseDueToContributionsToDefinedBenefitScheme	-1347000000	gbp
CY2023	lyg	Payments In Respect Of Regulatory And Legal Provisions PaymentsInRespectOfRegulatoryAndLegalProvisions	-378000000	gbp
CY2022	lyg	Payments In Respect Of Regulatory And Legal Provisions PaymentsInRespectOfRegulatoryAndLegalProvisions	-625000000	gbp
CY2021	lyg	Payments In Respect Of Regulatory And Legal Provisions PaymentsInRespectOfRegulatoryAndLegalProvisions	-817000000	gbp
CY2023	ifrs-full	Other Adjustments For Noncash Items OtherAdjustmentsForNoncashItems	17000000	gbp
CY2022	ifrs-full	Other Adjustments For Noncash Items OtherAdjustmentsForNoncashItems	13000000	gbp
CY2021	ifrs-full	Other Adjustments For Noncash Items OtherAdjustmentsForNoncashItems	0	gbp
CY2023	lyg	Total Adjustments For Other Items TotalAdjustmentsForOtherItems	-1706000000	gbp
CY2022	lyg	Total Adjustments For Other Items TotalAdjustmentsForOtherItems	-3145000000	gbp
CY2021	lyg	Total Adjustments For Other Items TotalAdjustmentsForOtherItems	-2164000000	gbp
CY2023	lyg	Total Adjustments For Non Cash And Other Items TotalAdjustmentsForNonCashAndOtherItems	5622000000	gbp
CY2022	lyg	Total Adjustments For Non Cash And Other Items TotalAdjustmentsForNonCashAndOtherItems	-244000000	gbp
CY2021	lyg	Total Adjustments For Non Cash And Other Items TotalAdjustmentsForNonCashAndOtherItems	-1265000000	gbp
CY2023	ifrs-full	Disclosure Of Cash And Cash Equivalents Explanatory DisclosureOfCashAndCashEquivalentsExplanatory	<div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">78,110</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,388 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">76,420 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Less mandatory reserve deposits</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(1,930)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,111)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,178)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">76,180</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">89,277 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">74,242 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Loans and advances to banks and reverse repurchase agreements</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">19,048</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,418 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,533 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Less amounts with a maturity of three months or more</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(6,390)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7,866)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,581)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12,658</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,552 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,952 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total cash and cash equivalents</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">88,838</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">95,829 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">79,194 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Mandatory reserve deposits are held with local central banks in accordance with statutory requirements. Where these deposits are not held in demand accounts and are not available to finance the Group’s day-to-day operations they are excluded from cash and cash equivalents.</span></div>
CY2023Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	78110000000	gbp
CY2022Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	91388000000	gbp
CY2021Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	76420000000	gbp
CY2023Q4	ifrs-full	Mandatory Reserve Deposits At Central Banks MandatoryReserveDepositsAtCentralBanks	1930000000	gbp
CY2022Q4	ifrs-full	Mandatory Reserve Deposits At Central Banks MandatoryReserveDepositsAtCentralBanks	2111000000	gbp
CY2021Q4	ifrs-full	Mandatory Reserve Deposits At Central Banks MandatoryReserveDepositsAtCentralBanks	2178000000	gbp
CY2023Q4	ifrs-full	Bank Balances At Central Banks Other Than Mandatory Reserve Deposits BankBalancesAtCentralBanksOtherThanMandatoryReserveDeposits	76180000000	gbp
CY2022Q4	ifrs-full	Bank Balances At Central Banks Other Than Mandatory Reserve Deposits BankBalancesAtCentralBanksOtherThanMandatoryReserveDeposits	89277000000	gbp
CY2021Q4	ifrs-full	Bank Balances At Central Banks Other Than Mandatory Reserve Deposits BankBalancesAtCentralBanksOtherThanMandatoryReserveDeposits	74242000000	gbp
CY2023Q4	lyg	Loans And Advances To Banks And Reverse Repurchase Agreements LoansAndAdvancesToBanksAndReverseRepurchaseAgreements	19048000000	gbp
CY2022Q4	lyg	Loans And Advances To Banks And Reverse Repurchase Agreements LoansAndAdvancesToBanksAndReverseRepurchaseAgreements	14418000000	gbp
CY2021Q4	lyg	Loans And Advances To Banks And Reverse Repurchase Agreements LoansAndAdvancesToBanksAndReverseRepurchaseAgreements	10533000000	gbp
CY2023Q4	lyg	Loans And Advances To Banks Noncurrent LoansAndAdvancesToBanksNoncurrent	6390000000	gbp
CY2022Q4	lyg	Loans And Advances To Banks Noncurrent LoansAndAdvancesToBanksNoncurrent	7866000000	gbp
CY2021Q4	lyg	Loans And Advances To Banks Noncurrent LoansAndAdvancesToBanksNoncurrent	5581000000	gbp
CY2023Q4	lyg	Loans And Advances To Banks Current LoansAndAdvancesToBanksCurrent	12658000000	gbp
CY2022Q4	lyg	Loans And Advances To Banks Current LoansAndAdvancesToBanksCurrent	6552000000	gbp
CY2021Q4	lyg	Loans And Advances To Banks Current LoansAndAdvancesToBanksCurrent	4952000000	gbp
CY2023Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	88838000000	gbp
CY2022Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	95829000000	gbp
CY2021Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	79194000000	gbp
CY2023Q4	ifrs-full	Cash And Cash Equivalents Held By Entity Unavailable For Use By Group CashAndCashEquivalentsHeldByEntityUnavailableForUseByGroup	31000000	gbp
CY2022Q4	ifrs-full	Cash And Cash Equivalents Held By Entity Unavailable For Use By Group CashAndCashEquivalentsHeldByEntityUnavailableForUseByGroup	37000000	gbp
CY2021Q4	ifrs-full	Cash And Cash Equivalents Held By Entity Unavailable For Use By Group CashAndCashEquivalentsHeldByEntityUnavailableForUseByGroup	76000000	gbp
CY2023	ifrs-full	Description Of Expected Impact Of Initial Application Of New Standards Or Interpretations DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 54: Restatement of prior period information</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">As explained in note 1, the Group adopted IFRS 17 </span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-style:italic;font-weight:400;letter-spacing:0.01em;line-height:126%">Insurance Contracts</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%"> on 1 January 2023. The following tables summarise the adjustments arising on the adoption of IFRS 17 to the Group’s:</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Consolidated income statement, consolidated statement of comprehensive income and consolidated cash flow statement for the year ended 31 December 2022</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">•</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%;padding-left:8.61pt">Consolidated balance sheet at 31 December 2022</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:54.649%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.304%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Consolidated income statement for the year ended 31 December 2022</span></div></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Footnote</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As<br/>previously<br/>reported<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impact<br/>of IFRS 17<br/>(see below)<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other changes<br/>(see note 1)<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Restated<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest income</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,645 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,645 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,688)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,035)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,723)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,957 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,035)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,922 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,835 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(45)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,790 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,332)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">262 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,070)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,503 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">217 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,720 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net trading income (losses)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(19,987)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(19,987)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance premium income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9,059 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9,059)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance revenue</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,461 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,461 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance service expense</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,863)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,863)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net income (losses) from reinsurance contracts held</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance service result</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,340)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,340)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other operating income</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,276 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">63 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,339 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other income</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(8,149)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10,119)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(18,268)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total income</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,808 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(10,119)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,035)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,346)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">12,401 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12,401)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net finance (expense) income from insurance, participating investment and reinsurance contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,893 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,893 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Movement in third party interests in consolidated funds</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,035 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,035 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in non-participating investment contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,959 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,959 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total income, after net finance (expense) income in respect of insurance and investment contracts</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,209 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,668)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,541 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9,759)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">522 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(9,237)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Impairment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,522)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,522)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Profit before tax</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,928 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,146)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,782 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax expense</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,373)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">514 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(859)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Profit for the year</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,555 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,632)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,923 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Profit attributable to ordinary shareholders</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,021 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,632)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Profit attributable to other equity holders</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">438 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">438 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Profit attributable to equity holders</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,459 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,632)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,827 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interests</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">96 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">96 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Profit for the year</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,555 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,632)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,923 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> </span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Basic earnings per share</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.3p</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.4p)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.9p</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Diluted earnings per share</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7.2p</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2.3p)</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4.9p</span></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Movement in third party interests in consolidated funds is reclassified from interest expense to a separate line on the face of the income statement.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Insurance premium income is removed as this is no longer presented in the income statement under IFRS 17.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Insurance revenue includes the CSM released to the income statement and changes in the risk adjustment related to current service (for more details on IFRS 17 measurement see note 1).</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Insurance services expense includes incurred claims excluding any investment components, attributable service expenses and losses as a result of contract modifications.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 The change in operating income is primarily driven by the removal of the movement in the value of in-force asset.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6 These changes are analysed using different line items under IFRS 17.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7 Finance related changes to the carrying value of insurance, participating investment and reinsurance contracts.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8 Change in non-participating investment contracts is presented as a separate line item.</span></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9 Maintenance expenses are included within insurance service expense and acquisition expenses are deferred within the CSM under IFRS 17.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 54: Restatement of prior period information</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:71.243%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.637%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Consolidated statement of comprehensive income for the year ended 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As<br/>previously<br/>reported<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impact<br/>of IFRS 17<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Restated<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Profit for the year</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,555 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,632)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,923 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Items that will not subsequently be reclassified to profit or loss:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Post-retirement defined benefit scheme remeasurements:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Remeasurements before tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,012)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,012)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">860 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">860 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,152)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,152)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Movements in revaluation reserve in respect of equity shares held at fair value through other comprehensive income:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in fair value</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">44 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gains and losses attributable to own credit risk:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gains before tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">519 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">519 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(155)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(155)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">364 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">364 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:120%">Items that may subsequently be reclassified to profit or loss:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Movements in revaluation reserve in respect of debt securities held at fair value through other comprehensive income:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in fair value</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(133)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(133)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Income statement transfers in respect of disposals</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(92)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Income statement transfers in respect of impairment</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">62 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(157)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(157)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Movements in cash flow hedging reserve:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Effective portion of changes in fair value taken to other comprehensive income</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,990)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,990)</span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net income statement transfers</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Tax</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,928 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,928 </span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,019)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,019)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Movements in foreign currency translation reserve:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Currency translation differences (tax: £nil)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">119 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">116 </span></td><td style="border-right:0.25pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Transfers to income statement (tax: £nil)</span></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-left:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-left:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(31)</span></td><td style="border-right:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">88 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total other comprehensive loss for the year, net of tax</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,829)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,832)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total comprehensive loss for the year</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,274)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,635)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,909)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%"> </span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total comprehensive loss attributable to ordinary shareholders</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,808)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,635)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,443)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total comprehensive income attributable to other equity holders</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">438 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">438 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total comprehensive loss attributable to equity holders</span></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,370)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,635)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,005)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total comprehensive income attributable to non-controlling interests</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">96 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">96 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total comprehensive loss for the year</span></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,274)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,635)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,909)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 54: Restatement of prior period information</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:42.859%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.641%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Consolidated balance sheet as at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Footnote</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As<br/>previously<br/>reported<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">IFRS 17<br/>adjustments<br/>as at<br/>1 Jan 2022<br/>(see below)<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>changes<br/>(see note 1)<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">IFRS 17<br/>2022<br/>movements<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Restated<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">91,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Items in the course of collection from banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">242 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(242)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180,609 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(40)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">180,769 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,322 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">520,322 </span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">23,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">616 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(759)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">143 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investments in joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(385)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,655 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,655)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Value of in-force business</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,419 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,317)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">72 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other intangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,786 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,786)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Goodwill and other intangible assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,615 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,615 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax recoverable</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">612 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">612 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,228 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">655 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">539 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,422 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retirement benefit assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,823 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3,823 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">13,837 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(47)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">627 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">119 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">14,536 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">877,829 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,268)</span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">833 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">873,394 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7,266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">475,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">48,596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Items in course of transmission to banks</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(372)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#dbdbdb;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,755 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,755 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Notes in circulation</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,280 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,280 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Debt securities in issue at amortised cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">73,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">106,893 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,756 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,629 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">110,278 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">42,975 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(4,150)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">651 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">39,476 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">19,090 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(896)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">372 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">198 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,764 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retirement benefit obligations</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">126 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">126 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Current tax liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Deferred tax liabilities</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">209 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other provisions</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,809 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,803 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,730 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,730 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">830,308 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,333)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,508 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">829,483 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,729 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,729 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share premium account</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,504 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">18,504 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other reserves</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,602 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,587 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retained profits</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10,145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,923)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,672)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,550 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Ordinary shareholders’ equity</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">41,980 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,935)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,675)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">38,370 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other equity instruments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,297 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5,297 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total equity excluding non-controlling interests</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47,277 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,935)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,675)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43,667 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-controlling interests</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">244 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">244 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total equity</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">47,521 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,935)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,675)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">43,911 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total equity and liabilities</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">877,829 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(5,268)</span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">833 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">873,394 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Own shares held through consolidated collective investment vehicles classified as financial assets at fair value through profit or loss rather than in equity under IFRS 17.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Reinsurance assets are replaced by reinsurance contract assets, which are presented within other assets, under IFRS 17.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The value of in-force business (VIF) is not recognised on the balance sheet under IFRS 17 and acquired VIF presented within goodwill and other intangible assets.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Deferred tax assets and liabilities are recalculated based on IFRS 17 retained earnings.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 Change in measurement basis of liabilities arising from insurance and participating investment contracts under IFRS 17.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6 Reclassification of certain hybrid unit-linked and With-Profit contracts from IFRS 9 to IFRS 17.</span></div><div style="padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7 Unallocated surplus relating to the With-Profit funds is recognised as part of the liabilities arising from insurance and participating investment contracts under IFRS 17.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 54: Restatement of prior period information</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:400;letter-spacing:-0.015em;line-height:118%"> continued</span></div><div style="margin-bottom:4pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:52.320%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.633%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.527%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.640%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:700;line-height:120%">Consolidated cash flow statement for the year ended 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As<br/>previously<br/>reported<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impact<br/>of IFRS 17<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>changes<br/>(see note 1)<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Restated<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows from operating activities</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Profit before tax</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">6,928 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,146)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">4,782 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Adjustments for:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in operating assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">17,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(302)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in operating liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">15,593 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2,418 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(16,530)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,481 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-cash and other items</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(16,804)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">30 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,530 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(244)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 8.09pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net tax paid</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(743)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(743)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net cash provided by operating activities</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,011 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">22,011 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows from investing activities</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Purchase of financial assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7,984)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(7,984)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Proceeds from sale and maturity of financial assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">11,172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Purchase of fixed assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,855)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(3,855)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Proceeds from sale of fixed assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,550 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1,550 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repayment of capital by joint ventures and associates</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">36 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Acquisition of businesses, net of cash acquired</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(409)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(409)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net cash provided by investing activities</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">510 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">510 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flows from financing activities</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Dividends paid to ordinary shareholders</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,475)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,475)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Distributions in respect of other equity instruments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(438)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(438)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Distributions in respect of non-controlling interests</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Interest paid on subordinated liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(603)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(603)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Proceeds from issue of subordinated liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">838 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">838 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Proceeds from issue of other equity instruments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">745 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">745 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Proceeds from issue of ordinary shares</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Share buyback</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,013)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,013)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repayment of subordinated liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,216)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(2,216)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Repurchases and redemptions of other equity instruments</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,395)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(1,395)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in stake of non-controlling interests</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net cash used in financing activities</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,613)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">(6,613)</span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Effects of exchange rate changes on cash and cash equivalents</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">727 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">727 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in cash and cash equivalents</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,635 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">16,635 </span></td><td style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash and cash equivalents at beginning of year</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">79,194 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">79,194 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash and cash equivalents at end of year</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">95,829 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:0 1pt"></td><td colspan="2" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:400;line-height:120%">95,829 </span></td><td style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>
CY2022	ifrs-full	Revenue From Interest RevenueFromInterest	17645000000	gbp
CY2022	ifrs-full	Interest Expense InterestExpense	4723000000	gbp
CY2022	ifrs-full	Interest Revenue Expense InterestRevenueExpense	12922000000	gbp
CY2022	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2790000000	gbp
CY2022	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1070000000	gbp
CY2022	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1720000000	gbp
CY2022	ifrs-full	Trading Income Expense TradingIncomeExpense	-19987000000	gbp
CY2022	ifrs-full	Insurance Revenue InsuranceRevenue	2461000000	gbp
CY2022	ifrs-full	Insurance Service Expenses From Insurance Contracts Issued InsuranceServiceExpensesFromInsuranceContractsIssued	3863000000	gbp
CY2022	ifrs-full	Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses IncomeExpensesFromReinsuranceContractsHeldOtherThanFinanceIncomeExpenses	62000000	gbp
CY2022	ifrs-full	Insurance Service Result InsuranceServiceResult	-1340000000	gbp
CY2022	lyg	Operating Income Other OperatingIncomeOther	1339000000	gbp
CY2022	ifrs-full	Other Operating Income Expense OtherOperatingIncomeExpense	-18268000000	gbp
CY2022	ifrs-full	Revenue Revenue	-5346000000	gbp
CY2022	lyg	Net Finance Expense Income From Insurance And Reinsurance Contracts Held NetFinanceExpenseIncomeFromInsuranceAndReinsuranceContractsHeld	15893000000	gbp
CY2022	lyg	Increase Decrease In Third Party Interests In Consolidated Funds IncreaseDecreaseInThirdPartyInterestsInConsolidatedFunds	1035000000	gbp
CY2022	lyg	Increase Decrease In Non Participating Investment Contracts IncreaseDecreaseInNonParticipatingInvestmentContracts	3959000000	gbp
CY2022	lyg	Revenue Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities RevenueNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	15541000000	gbp
CY2022	ifrs-full	Operating Expense OperatingExpense	9237000000	gbp
CY2022	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	1522000000	gbp
CY2022	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	4782000000	gbp
CY2022	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	859000000	gbp
CY2022	ifrs-full	Profit Loss ProfitLoss	3923000000	gbp
CY2022	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	3389000000	gbp
CY2022	lyg	Profit Loss Attributable To Other Equity Holders ProfitLossAttributableToOtherEquityHolders	438000000	gbp
CY2022	ifrs-full	Profit Loss Attributable To Owners Of Parent ProfitLossAttributableToOwnersOfParent	3827000000	gbp
CY2022	ifrs-full	Profit Loss Attributable To Noncontrolling Interests ProfitLossAttributableToNoncontrollingInterests	96000000	gbp
CY2022	ifrs-full	Profit Loss ProfitLoss	3923000000	gbp
CY2022	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.049
CY2022	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.049
CY2022	ifrs-full	Profit Loss ProfitLoss	3923000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Before Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	-3012000000	gbp
CY2022	ifrs-full	Income Tax Relating To Remeasurements Of Defined Benefit Plans Of Other Comprehensive Income IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome	-860000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	-2152000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments	44000000	gbp
CY2022	ifrs-full	Income Tax Relating To Investments In Equity Instruments Of Other Comprehensive Income IncomeTaxRelatingToInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome	-3000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses From Investments In Equity Instruments OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments	47000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Before Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	519000000	gbp
CY2022	ifrs-full	Income Tax Relating To Changes In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability Of Other Comprehensive Income IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome	155000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability	364000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	-133000000	gbp
CY2022	lyg	Reclassification Adjustments On Disposal Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnDisposalOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	92000000	gbp
CY2022	lyg	Reclassification Adjustments On Impairment Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnImpairmentOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	6000000	gbp
CY2022	ifrs-full	Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-62000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-157000000	gbp
CY2022	ifrs-full	Gains Losses On Cash Flow Hedges Before Tax GainsLossesOnCashFlowHedgesBeforeTax	-6990000000	gbp
CY2022	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	-43000000	gbp
CY2022	ifrs-full	Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome	-1928000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	-5019000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Exchange Differences On Translation OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation	116000000	gbp
CY2022	lyg	Transfers To Income Statement TransfersToIncomeStatement	31000000	gbp
CY2022	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	-85000000	gbp
CY2022	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	-6832000000	gbp
CY2022	ifrs-full	Comprehensive Income ComprehensiveIncome	-2909000000	gbp
CY2022	lyg	Comprehensive Income Attributable To Ordinary Shareholders ComprehensiveIncomeAttributableToOrdinaryShareholders	-3443000000	gbp
CY2022	lyg	Comprehensive Income Attributable To Other Equity Holders ComprehensiveIncomeAttributableToOtherEquityHolders	438000000	gbp
CY2022	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	-3005000000	gbp
CY2022	ifrs-full	Comprehensive Income Attributable To Noncontrolling Interests ComprehensiveIncomeAttributableToNoncontrollingInterests	96000000	gbp
CY2022	ifrs-full	Comprehensive Income ComprehensiveIncome	-2909000000	gbp
CY2022Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	91388000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	180769000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	520322000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Other Comprehensive Income FinancialAssetsAtFairValueThroughOtherComprehensiveIncome	23154000000	gbp
CY2022Q4	ifrs-full	Intangible Assets And Goodwill IntangibleAssetsAndGoodwill	7615000000	gbp
CY2022Q4	ifrs-full	Current Tax Assets CurrentTaxAssets	612000000	gbp
CY2022Q4	ifrs-full	Deferred Tax Assets DeferredTaxAssets	6422000000	gbp
CY2022Q4	ifrs-full	Recognised Assets Defined Benefit Plan RecognisedAssetsDefinedBenefitPlan	3823000000	gbp
CY2022Q4	ifrs-full	Other Assets OtherAssets	14536000000	gbp
CY2022Q4	ifrs-full	Assets Assets	873394000000	gbp
CY2022Q4	ifrs-full	Deposits From Banks DepositsFromBanks	7266000000	gbp
CY2022Q4	ifrs-full	Deposits From Customers DepositsFromCustomers	475331000000	gbp
CY2022Q4	ifrs-full	Repurchase Agreements And Cash Collateral On Securities Lent RepurchaseAgreementsAndCashCollateralOnSecuritiesLent	48596000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	17755000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2022Q4	lyg	Notes In Circulation NotesInCirculation	1280000000	gbp
CY2022Q4	lyg	Debt Securities At Amortised Cost DebtSecuritiesAtAmortisedCost	73819000000	gbp
CY2022Q4	ifrs-full	Insurance Contracts Issued That Are Liabilities InsuranceContractsIssuedThatAreLiabilities	110278000000	gbp
CY2022Q4	ifrs-full	Investment Contracts Liabilities InvestmentContractsLiabilities	39476000000	gbp
CY2022Q4	ifrs-full	Other Liabilities OtherLiabilities	18764000000	gbp
CY2022Q4	ifrs-full	Recognised Liabilities Defined Benefit Plan RecognisedLiabilitiesDefinedBenefitPlan	126000000	gbp
CY2022Q4	ifrs-full	Current Tax Liabilities Current CurrentTaxLiabilitiesCurrent	8000000	gbp
CY2022Q4	ifrs-full	Deferred Tax Liabilities DeferredTaxLiabilities	209000000	gbp
CY2022Q4	ifrs-full	Other Provisions OtherProvisions	1803000000	gbp
CY2022Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	10730000000	gbp
CY2022Q4	ifrs-full	Liabilities Liabilities	829483000000	gbp
CY2022Q4	ifrs-full	Issued Capital IssuedCapital	6729000000	gbp
CY2022Q4	ifrs-full	Share Premium SharePremium	18504000000	gbp
CY2022Q4	ifrs-full	Other Reserves OtherReserves	6587000000	gbp
CY2022Q4	ifrs-full	Retained Earnings RetainedEarnings	6550000000	gbp
CY2022Q4	lyg	Shareholders Equity ShareholdersEquity	38370000000	gbp
CY2022Q4	ifrs-full	Other Equity Interest OtherEquityInterest	5297000000	gbp
CY2022Q4	ifrs-full	Equity Attributable To Owners Of Parent EquityAttributableToOwnersOfParent	43667000000	gbp
CY2022Q4	ifrs-full	Noncontrolling Interests NoncontrollingInterests	244000000	gbp
CY2022Q4	ifrs-full	Equity Equity	43911000000	gbp
CY2022Q4	ifrs-full	Equity And Liabilities EquityAndLiabilities	873394000000	gbp
CY2022	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	4782000000	gbp
CY2022	lyg	Change In Operating Assets ChangeInOperatingAssets	16735000000	gbp
CY2022	lyg	Change In Operating Liabilities ChangeInOperatingLiabilities	1481000000	gbp
CY2022	lyg	Non Cash And Other Items NonCashAndOtherItems	-244000000	gbp
CY2022	ifrs-full	Income Taxes Paid Refund Classified As Operating Activities IncomeTaxesPaidRefundClassifiedAsOperatingActivities	743000000	gbp
CY2022	ifrs-full	Cash Flows From Used In Operating Activities CashFlowsFromUsedInOperatingActivities	22011000000	gbp
CY2022	ifrs-full	Purchase Of Financial Instruments Classified As Investing Activities PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities	7984000000	gbp
CY2022	ifrs-full	Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities	11172000000	gbp
CY2022	ifrs-full	Purchase Of Property Plant And Equipment Classified As Investing Activities PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	3855000000	gbp
CY2022	ifrs-full	Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	1550000000	gbp
CY2022	lyg	Repayment Of Capital By Joint Ventures And Associates Classified As Investing Activities RepaymentOfCapitalByJointVenturesAndAssociatesClassifiedAsInvestingActivities	36000000	gbp
CY2022	ifrs-full	Cash Flows Used In Obtaining Control Of Subsidiaries Or Other Businesses Classified As Investing Activities CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities	409000000	gbp
CY2022	ifrs-full	Cash Flows From Used In Investing Activities CashFlowsFromUsedInInvestingActivities	510000000	gbp
CY2022	ifrs-full	Dividends Paid To Equity Holders Of Parent Classified As Financing Activities DividendsPaidToEquityHoldersOfParentClassifiedAsFinancingActivities	1475000000	gbp
CY2022	lyg	Distributions On Other Equity Instruments DistributionsOnOtherEquityInstruments	438000000	gbp
CY2022	ifrs-full	Dividends Paid To Noncontrolling Interests Classified As Financing Activities DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities	92000000	gbp
CY2022	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	603000000	gbp
CY2022	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	838000000	gbp
CY2022	ifrs-full	Proceeds From Issuing Other Equity Instruments ProceedsFromIssuingOtherEquityInstruments	745000000	gbp
CY2022	ifrs-full	Proceeds From Issue Of Ordinary Shares ProceedsFromIssueOfOrdinaryShares	31000000	gbp
CY2022	ifrs-full	Cancellation Of Treasury Shares CancellationOfTreasuryShares	2013000000	gbp
CY2022	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	2216000000	gbp
CY2022	lyg	Redemption Of Other Equity Instruments RedemptionOfOtherEquityInstruments	1395000000	gbp
CY2022	ifrs-full	Proceeds From Changes In Ownership Interests In Subsidiaries ProceedsFromChangesInOwnershipInterestsInSubsidiaries	5000000	gbp
CY2022	ifrs-full	Cash Flows From Used In Financing Activities CashFlowsFromUsedInFinancingActivities	-6613000000	gbp
CY2022	ifrs-full	Effect Of Exchange Rate Changes On Cash And Cash Equivalents EffectOfExchangeRateChangesOnCashAndCashEquivalents	727000000	gbp
CY2022	ifrs-full	Increase Decrease In Cash And Cash Equivalents IncreaseDecreaseInCashAndCashEquivalents	16635000000	gbp
CY2021Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	79194000000	gbp
CY2022Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	95829000000	gbp
CY2023	ifrs-full	Disclosure Of Events After Reporting Period Explanatory DisclosureOfEventsAfterReportingPeriodExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:10pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Note 55: Events since the balance sheet date</span></div><div style="margin-bottom:1pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:8pt;font-weight:700;letter-spacing:-0.015em;line-height:118%">Share buyback</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The Board has announced its intention to implement an ordinary share buyback of up to £2.0 billion. This represents the return to shareholders of capital, surplus to that required to provide capacity to grow the business, meet current and future regulatory requirements and cover uncertainties. The share buyback programme will commence as soon as is practicable and is expected to be completed, subject to continued authority from the PRA, by 31 December 2024.</span></div>
CY2023	ifrs-full	Disclosure Of Interests In Subsidiaries Explanatory DisclosureOfInterestsInSubsidiariesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">The principal subsidiaries, all of which have prepared accounts to 31 December and whose results are included in the consolidated accounts of Lloyds Banking Group plc, are:</span></div><div style="margin-bottom:2pt;margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.970%"><tr><td style="width:1.0%"></td><td style="width:34.562%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.930%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.006%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.102%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Name of subsidiary undertaking</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Country of<br/>registration/<br/>incorporation</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Percentage of equity<br/>share capital and <br/>voting rights held</span></td><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nature of business</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Lloyds Bank plc</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">England</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">100%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Banking and financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Scottish Widows Limited</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">England</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">100%</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:4.87pt;font-weight:400;letter-spacing:0.01em;line-height:126%;position:relative;top:-2.62pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Life assurance</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">HBOS plc</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Scotland</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">100%</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:4.87pt;font-weight:400;letter-spacing:0.01em;line-height:126%;position:relative;top:-2.62pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Bank of Scotland plc</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Scotland</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">100%</span><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:4.87pt;font-weight:400;letter-spacing:0.01em;line-height:126%;position:relative;top:-2.62pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Banking and financial services</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Lloyds Bank Corporate Markets plc</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">England</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">100%</span></td><td colspan="3" style="border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Banking and financial services</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">LBG Equity Investments Limited</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">England</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">100%</span></td><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.25pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Poppins',sans-serif;font-size:7.5pt;font-weight:400;letter-spacing:0.01em;line-height:126%">Financial services</span></td></tr></table></div><div style="margin-bottom:4pt;padding-left:11.34pt;text-indent:-11.34pt"><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span><span style="color:#25282a;font-family:'Poppins',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:9.62pt">Indirect interest.</span></div>

Files In Submission

Name	View Source	Status
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Financial_Report.xlsx	Edgar Link	pending
image_0a.jpg	Edgar Link	pending
lbgexhibit1212023.htm	Edgar Link	pending
lbgexhibit1222023.htm	Edgar Link	pending
lbgexhibit1312023.htm	Edgar Link	pending
lbgexhibit1512023.htm	Edgar Link	pending
lbgexhibit2d2023.htm	Edgar Link	pending
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lbgexhibit972023.htm	Edgar Link	pending
lyg-20231231.htm	Edgar Link	pending
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$LYG
Lloyds Banking Group plc Stock $lyg

2023 Q4 Form 20-F Financial Statement

#000116010624000009 Filed on February 22, 2024

Income Statement

Balance Sheet

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Files In Submission

$LYG Lloyds Banking Group plc Stock $lyg

2023 Q4 Form 20-F Financial Statement

#000116010624000009 Filed on February 22, 2024

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$LYG
Lloyds Banking Group plc Stock $lyg